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Natural hazards · Clayton

Clayton, MN natural hazards

Most of the natural-hazard damage FEMA expects in Clayton comes from inland flooding, and overall the risk is moderate for a U.S. community. 7 federal disasters brought FEMA money into town.

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

How exposed is Clayton?

53
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Clayton to be higher than in 53% of U.S. communities, mostly from inland flooding and drought.

Inland flooding47%Drought17%Tornadoes14%Hail8%Cold waves7%Strong wind5%Everything else2%
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

47% of expected damage
Above average · higher than 65% of U.S. places
Recorded about 2 times a year in the area

Drought

17% of expected damage
Recorded about 22 times a year in the area

Tornadoes

14% of expected damage
Well above average · higher than 93% of U.S. places
Recorded about once every 6 years in the area

Hail

8% of expected damage
Well above average · higher than 86% of U.S. places
Recorded about 5 times a year in the area

Cold waves

7% of expected damage
Above average · higher than 66% of U.S. places
Recorded about 10 times a year in the area

Strong wind

5% of expected damage
Well above average · higher than 96% of U.S. places
Recorded about 4 times a year in the area

Lower here

Ice stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

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 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: Mower County.
Disasters that hit Clayton

7 federal disasters brought FEMA money here

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

Brought FEMA money into ClaytonDeclared for Mower County only
2024

Severe Storms and Flooding

$12K to the Township of Clayton for repairs
2019

Severe Winter Storm, Straight-Line Winds, and Flooding

$8K to the Township of Clayton for repairs
2010

Severe Storms and Flooding

$1K to the Township of Clayton for repairs
2008

Severe Storms and Flooding

$4K to the Township of Clayton for repairs
2004

Severe Storms and Flooding

$22K to the Township of Clayton for repairs
2001

Severe Winter Storms, Flooding, and Tornadoes

$17K to the Township of Clayton for repairs
2000

Severe Storms and Flooding

$40K to the Township of Clayton for repairs
Mower County has had 14 natural disasters declared since 1953, most often severe storms and floods.
Around Clayton

Clayton and the towns around it

Grand Meadow: Moderate, mostly inland floodingMarshall: High, mostly inland floodingBennington: Moderate, mostly inland floodingLodi: High, mostly inland floodingGrand Meadow: Moderate, mostly inland floodingPleasant Valley: Moderate, mostly inland floodingFrankford: Moderate, mostly inland floodingDexter: High, mostly inland floodingElkton: High, mostly inland floodingAdams: High, mostly inland floodingWindom: High, mostly inland floodingBloomfield: Moderate, mostly inland floodingLe Roy: High, mostly inland floodingClayton: Moderate, mostly inland flooding ClaytonGrand MeadowMarshallBenningtonLodi
Very lowLowModerateHighVery high
Marshallmostly inland floodingHigh
Lodimostly inland floodingHigh
Claytonmostly inland floodingModerate
Grand Meadowmostly inland floodingModerate
Benningtonmostly inland floodingModerate
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 Township 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/15 · 2025-01-01
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