Natural hazards · Clayton

Clayton, OH natural hazards

Most of the natural-hazard damage FEMA expects in Clayton comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 7 claims here since 2007. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Clayton?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Clayton to be higher than in 19% of U.S. communities, mostly from inland flooding.

Inland flooding63%Cold waves10%Tornadoes8%Earthquakes7%Everything else13%

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

63% of expected damage

Below average · higher than 37% of U.S. places

Recorded about 2 times a year in the area

Cold waves

10% of expected damage

Above average · higher than 60% of U.S. places

Recorded about 4 times a year in the area

Tornadoes

8% of expected damage

Below average · higher than 46% of U.S. places

Earthquakes

7% of expected damage

Above average · higher than 56% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireLandslidesStrong 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.

7paid claims since 2007

$45Kpaid to owners

1homes flooded more than once

20072026

Homes that flooded again and again

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

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: Montgomery County.

Disasters that hit Clayton

4 federal disasters brought FEMA money here

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

Brought FEMA money into ClaytonDeclared for Montgomery County only

2019

Severe Storms, Straight-Line Winds, Tornadoes, Flooding, Landslides, and Mudslide

106 households applied for aid $57K aid approved $189K to the City of Clayton for repairs

2008

Severe Wind Storm Associated With Tropical Depression Ike

$108K to the City of Clayton for repairs

2004

Snow

$18K to the City of Clayton for repairs

2003

Severe Winter Storm and Record/Near Record Snow

$9K to the City of Clayton for repairs

Montgomery County has had 11 natural disasters declared since 1953, most often severe storms and winter storms.

Around Clayton

Clayton and the towns around it

Very lowLowModerateHighVery high

Trotwoodmostly inland floodingLow

Shilohmostly inland floodingLow

Claytonmostly inland floodingVery low

Harrisonmostly inland floodingVery low

Englewoodmostly inland floodingVery low

Claymostly inland floodingVery low

Unionmostly inland floodingVery low

Butlermostly inland floodingVery low

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 covers 3 census tracts, combined by population.

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 City of Clayton. 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 Clayton total about $2.7M 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.