Natural hazards · Clay

Clay, WV natural hazards

Most of the natural-hazard damage FEMA expects in Clay comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 8 claims here since 1979. 8 federal disasters brought FEMA money into town.

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

How exposed is Clay?

93
Very high
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Clay to be higher than in 93% of U.S. communities, mostly from inland flooding.

Inland flooding94%Everything else6%
By hazard

What Clay faces

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

Inland flooding

94% of expected damage
Well above average · among the top 1% of U.S. places
Recorded about 2 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningAvalanches

Not a risk here

Coastal floodingDroughtTsunamisVolcanic 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 Clay flood?

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

8paid claims since 1979
$178Kpaid to owners
0homes flooded more than once
19792026

Biggest named events

  • Summer severe storms: 2 claims, $171K
of homes in flood zones
are insured
of all homes
are insured
No community discount. Clay isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Clay County.
Disasters that hit Clay

8 federal disasters brought FEMA money here

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

Brought FEMA money into ClayDeclared for Clay County only
2023

Severe Storms, Flooding, Landslides, and Mudslides

15 households applied for aid $101K aid approved
2016

Severe Storms, Flooding, Landslides, and Mudslides

167 households applied for aid $871K aid approved $20K to the Town of Clay for repairs
2012

Hurricane Sandy

$5K to the Town of Clay for repairs
2012

Severe Storms and Straight-Line Winds

28 households applied for aid $11K aid approved $15K to the Town of Clay for repairs
2009

Severe Winter Storm and Snowstorm

$8K to the Town of Clay for repairs
2008

Severe Storms, Tornadoes, Flooding, Mudslides, and

6 households applied for aid $2K aid approved
2004

Severe Storms, Flooding, and Landslides

9 households applied for aid $8K aid approved
2003

Severe Storms, Flooding, and Landslides

12 households applied for aid $33K aid approved $318K to the Town of Clay for repairs
Clay County has had 20 natural disasters declared since 1953, most often severe storms and winter 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. Clay 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 Clay’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Clay. 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.

The porch light’s on

Where to, neighbor?

You’re in Clay, WVView boundary

Nearby

All towns & citiesExplore the map
Loading boundary…

Clay is your selected town. The feed includes posts assigned to this town, not a distance radius or ZIP code.

Neighborhoods narrow the feed further, while townwide announcements, events, and issues remain visible.

Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01