Natural hazards · Clayton

Clayton, MI natural hazards

Most of the natural-hazard damage FEMA expects in Clayton comes from inland flooding, and overall the risk is low for a U.S. community.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Clayton?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Clayton to be higher than in 33% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding45%Tornadoes19%Cold waves17%Strong wind9%Everything else11%

By hazard

What Clayton faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

45% of expected damage

Below average · higher than 42% of U.S. places

Recorded about once a year in the area

Tornadoes

19% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about once every 27 years in the area

Cold waves

17% of expected damage

Above average · higher than 56% of U.S. places

Recorded about 3 times a year in the area

Strong wind

9% of expected damage

Well above average · higher than 94% of U.S. places

Recorded about 6 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Clayton flood?

FEMA's records show no paid flood insurance claims in Clayton.

of homes in flood zones
are insured

of all homes
are insured

No community discount. Clayton isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Lenawee County.

Disasters that hit Clayton

Federal disasters declared here

None of the disasters declared for Lenawee County shows FEMA aid or repair money reaching Clayton itself in FEMA’s records.

Brought FEMA money into ClaytonDeclared for Lenawee County only

Lenawee County has had 4 natural disasters declared since 1953, most often winter storms and hurricanes.

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Clayton is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Clayton’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Clayton. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.