Natural hazards · Clover

Clover, PA natural hazards

Most of the natural-hazard damage FEMA expects in Clover comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 3 claims here since 1978.

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

Expected damage

How exposed is Clover?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Clover to be higher than in 33% of U.S. communities, mostly from inland flooding.

Inland flooding76%Lightning6%Everything else18%

By hazard

What Clover faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

76% of expected damage

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

Recorded about 2 times a year in the area

Lightning

6% of expected damage

Below average · higher than 43% of U.S. places

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong wind

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 Clover flood?

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

3paid claims since 1978

$20Kpaid to owners

0homes flooded more than once

19782026

of homes in flood zones
are insured

of all homes
are insured

No community discount. Clover 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 Clover

Federal disasters declared here

None of the disasters declared for Jefferson County shows FEMA aid or repair money reaching Clover itself in FEMA’s records.

Brought FEMA money into CloverDeclared for Jefferson County only

Jefferson County has had 12 natural disasters declared since 1953, most often floods and hurricanes.

Around Clover

Clover and the towns around it

Very lowLowModerateHighVery high

Beavermostly inland floodingHigh

Limestonemostly inland floodingModerate

Redbankmostly inland floodingModerate

Clovermostly inland floodingLow

Rosemostly 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. Clover 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 Clover’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Clover. 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.