Natural hazards · Clare

Clare, NY natural hazards

Most of the natural-hazard damage FEMA expects in Clare comes from inland flooding, and overall the risk is moderate for a U.S. community. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Clare?

Moderate

vs. U.S. communities

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

Inland flooding80%Cold waves10%Everything else9%

By hazard

What Clare 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 78% of U.S. places

Recorded about once a year in the area

Cold waves

10% of expected damage

Below average · higher than 49% of U.S. places

Recorded about 5 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningAvalanches

Not a risk here

Coastal floodingDroughtTsunamisVolcanic 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 Clare flood?

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

of all homes
are insured

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

Insurance rates: St. Lawrence County.

Disasters that hit Clare

3 federal disasters brought FEMA money here

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

Brought FEMA money into ClareDeclared for St. Lawrence County only

2024

Remnants of Tropical Storm Debby

$13K to the Town of Clare for repairs

2014

Severe Winter Storm, Snowstorm, and Flooding

$3K to the Town of Clare for repairs

1999

Snow

$2K to the Town of Clare for repairs

St. Lawrence County has had 14 natural disasters declared since 1953, most often winter storms and hurricanes.

Around Clare

Clare and the towns around it

Very lowLowModerateHighVery high

Russellmostly inland floodingModerate

Claremostly inland floodingModerate

Cliftonmostly inland floodingModerate

Pierrepontmostly inland floodingModerate

Coltonmostly 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. Clare 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 Clare’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Clare. 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.