Natural hazards · Clayton

Clayton, NY 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. Flood insurance has paid 19 claims here since 1978. 3 federal disasters brought FEMA money into town.

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 24% of U.S. communities, mostly from inland flooding.

Inland flooding86%Everything else14%

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

86% of expected damage

Above average · higher than 51% of U.S. places

Recorded about once a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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?

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

19paid claims since 1978

$831Kpaid to owners

4homes flooded more than once

19782026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

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: Jefferson County.

Disasters that hit Clayton

3 federal disasters brought FEMA money here

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

Brought FEMA money into ClaytonDeclared for Jefferson County only

2019

Severe Storms, Straight-Line Winds, and Flooding

$1.4M to the Village of Clayton for repairs

2017

Flooding

$202K to the Village of Clayton for repairs

1999

Snow

$3K to the Village of Clayton for repairs

Jefferson County has had 16 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.