Natural hazards · Clay

Clay, MN natural hazards

Most of the natural-hazard damage FEMA expects in Clay comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 2 claims here since 1999. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Clay?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Clay to be higher than in 64% of U.S. communities, mostly from inland flooding.

Inland flooding80%Tornadoes6%Cold waves6%Everything else8%

By hazard

What Clay faces

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

Inland flooding

80% of expected damage

Well above average · higher than 84% of U.S. places

Recorded about once every 4 years in the area

Tornadoes

6% of expected damage

Above average · higher than 70% of U.S. places

Recorded about once every 10 years in the area

Cold waves

6% of expected damage

Above average · higher than 70% of U.S. places

Recorded about 15 times a year in the area

Lower here

HailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingHurricanesAvalanchesTsunamisVolcanic 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 Clay flood?

Every paid claim on a federal flood insurance policy in Clay, from FEMA’s records.

2paid claims since 1999

$7Kpaid to owners

0homes flooded more than once

19992026

Biggest named events

Severe flooding: 1 claim, $6K

of all homes
are insured

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

Insurance rates: Hubbard County.

Disasters that hit Clay

1 federal disaster brought FEMA money here

Disasters the President declared that paid out in Clay itself: aid to households, or repair grants to the Township of Clay.

Brought FEMA money into ClayDeclared for Hubbard County only

2002

Severe Storms, Flooding and Tornadoes

$4K to the Township of Clay for repairs

Hubbard County has had 8 natural disasters declared since 1953, most often severe storms and hurricanes.

Around Clay

Clay and the towns around it

Very lowLowModerateHighVery high

Claymostly inland floodingHigh

Lake Emmamostly inland floodingHigh

Lake Georgemostly inland floodingHigh

Clovermostly inland floodingHigh

Thorpemostly inland floodingLow

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. Clay covers 1 census tract, combined by population.

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

FEMA’s expected losses across Clay total about $2.2M a year, counting buildings, people and crops.

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.