Natural hazards · Clover

Clover, SC natural hazards

Most of the natural-hazard damage FEMA expects in Clover comes from inland flooding, and overall the risk is very low 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 Clover?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Clover to be higher than in 16% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding42%Tornadoes31%Earthquakes6%Strong wind5%Ice storms5%Everything else12%

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

42% of expected damage

Well below average · higher than 24% of U.S. places

Recorded about once a year in the area

Tornadoes

31% of expected damage

Above average · higher than 64% of U.S. places

Earthquakes

6% of expected damage

Above average · higher than 63% of U.S. places

Strong wind

5% of expected damage

Well below average · higher than 21% of U.S. places

Recorded about 3 times a year in the area

Ice storms

5% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about 2 times a year in the area

Lower here

HurricanesHailWinter weatherCold wavesHeat wavesWildfireLandslidesLightning

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?

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

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: York County.

Disasters that hit Clover

3 federal disasters brought FEMA money here

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

Brought FEMA money into CloverDeclared for York County only

2024

Hurricane Helene

1,056 households applied for aid $566K aid approved $18K to the Town of Clover for repairs

2004

Tropical Storm Frances

1 household applied for aid

2002

Severe Ice Storm

$23K to the Town of Clover for repairs

York County has had 17 natural disasters declared since 1953, most often hurricanes and severe 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. Clover covers 2 census tracts, combined by population.

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 Town of Clover. 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 Clover total about $2.2M 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.