Natural hazards · Clever

Clever, MO natural hazards

Most of the natural-hazard damage FEMA expects in Clever comes from inland flooding, and overall the risk is moderate for a U.S. community. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Clever?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Clever to be higher than in 47% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding45%Tornadoes18%Heat waves13%Ice storms6%Strong wind5%Everything else13%

By hazard

What Clever 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 49% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

18% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about once every 28 years in the area

Heat waves

13% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about 13 times a year in the area

Ice storms

6% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about once a year in the area

Strong wind

5% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about 6 times a year in the area

Lower here

HurricanesHailWinter weatherCold wavesWildfireEarthquakesLandslidesLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic 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 Clever flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Christian County.

What’s been done with FEMA grants

3storm safe rooms built

Disasters that hit Clever

5 federal disasters brought FEMA money here

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

Brought FEMA money into CleverDeclared for Christian County only

2017

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

2 households applied for aid $4K aid approved

2008

Severe Storms and Flooding

19 households applied for aid $28K aid approved

2007

Severe Winter Storms and Flooding

$34K to the City of Clever for repairs

2006

Severe Storms, Tornadoes and Flooding

4 households applied for aid

2003

Severe Storms, Tornadoes, and Flooding

4 households applied for aid

Christian County has had 18 natural disasters declared since 1953, most often severe storms and ice storms.

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. Clever 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 Clever’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Clever. 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.