Natural hazards · Clover Creek

Clover Creek, WA natural hazards

Most of the natural-hazard damage FEMA expects in Clover Creek comes from earthquakes, and overall the risk is high for a U.S. community. Flood insurance has paid 15 claims here since 1979.

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

Expected damage

How exposed is Clover Creek?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Clover Creek to be higher than in 63% of U.S. communities, mostly from earthquakes and inland flooding.

Earthquakes67%Inland flooding28%Everything else5%

By hazard

What Clover Creek faces

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

Earthquakes

67% of expected damage

Well above average · higher than 90% of U.S. places

Inland flooding

28% of expected damage

Below average · higher than 30% of U.S. places

Recorded about once every 9 years in the area

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesWildfireLandslidesStrong windLightningVolcanic activity

Not a risk here

Coastal floodingHurricanesCold wavesDroughtAvalanchesTsunamis

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 Creek flood?

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

15paid claims since 1979

$36Kpaid to owners

0homes flooded more than once

19792026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Pierce County.

Disasters that hit Clover Creek

Federal disasters declared here

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

Brought FEMA money into Clover CreekDeclared for Pierce County only

Pierce County has had 22 natural disasters declared since 1953, most often floods and severe storms.

Around Clover Creek

Clover Creek and the towns around it

Very lowLowModerateHighVery high

Parklandmostly earthquakesHigh

Midlandmostly earthquakesHigh

Summitmostly earthquakesHigh

Clover Creekmostly earthquakesHigh

Fredericksonmostly earthquakesModerate

Summit Viewmostly earthquakesModerate

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 Creek covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Clover Creek’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Clover Creek. 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 Creek total about $4.1M 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.