Property Atlas

County hazard profile

Clay, FL

Florida · pop. 218,078 · FIPS 12019

Relatively Moderate
FEMA risk rating · RATING
Lightning
dominant hazard
$57M
modeled expected annual loss/yr

Expected annual loss · all 3,232 U.S. counties

among the lowest nationally

national median $15M/yr Clay $57M

A real dollar distribution: most counties sit far below a handful of high-exposure ones. A FEMA model of annual loss, not a record of disasters.

FEMA national percentile scores

FEMA/CDC score each county 0–100 against all others — the score is the national rank (RATING). Higher risk and vulnerability are worse; higher resilience is better.

FEMA risk indexRelatively Moderate 81.08/100
national median ~50 higher than 81% of counties
Social vulnerabilityVery Low 12.95/100
national median ~50 among the lowest nationally
Community resilienceRelatively Moderate 51.11/100
national median ~50 near the national middle (51st percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Clay

The National Flood Insurance Program has paid 1,744 flood-insurance claims totaling $76.4M in Clay since 1979. The costliest year was 2017 ($61.2M paid).

Flood-insurance dollars paid by year of loss

1979: $11,040 paid 1980: $25,147 paid 1983: $5,534 paid 1984: $6,793 paid 1985: $0 paid 1986: $0 paid 1987: $0 paid 1988: $182,526 paid 1989: $0 paid 1991: $17,263 paid 1992: $1,177,641 paid 1994: $1,485 paid 1995: $770 paid 1996: $665,809 paid 1997: $210,188 paid 1998: $483,108 paid 1999: $1,989 paid 2000: $103,912 paid 2001: $107,366 paid 2002: $4,274 paid 2003: $35,688 paid 2004: $1,507,976 paid 2005: $32,718 paid 2007: $163,341 paid 2008: $596,376 paid 2009: $921,818 paid 2010: $0 paid 2011: $2,074 paid 2012: $4,677,076 paid 2013: $616,761 paid 2014: $2,893 paid 2015: $0 paid 2016: $1,162,648 paid 2017: $61,163,838 paid 2018: $191,797 paid 2019: $0 paid 2020: $32,138 paid 2021: $33,530 paid 2022: $1,927,406 paid 2023: $12,248 paid 2024: $189,813 paid 2025: $82,980 paid 2017 · $61.2M 1979 2025
$76.4M
total paid
$43,783
average claim
$496K
largest single claim
70%
in high-risk flood zones (A/V)

RECORDED — these are actual paid NFIP claims (a redacted census from OpenFEMA), not a model. They are the realized counterpart to the FEMA risk score above: one is what happened and got paid, the other is what a model predicts.

Scope: these are flood-insurance claims, so they undercount flooding where owners were uninsured — read this as "what NFIP paid here," not "every flood." County-level totals, not a per-property or per-address verdict. Verify a specific address and buy coverage at FloodSmart.gov; the underlying data is OpenFEMA NFIP Redacted Claims.

What these figures mean

  • RATING — the FEMA risk score, expected loss, social vulnerability, and resilience are FEMA/CDC models, not records of disasters that happened. The 0–100 scores are already national percentiles.
  • MEASURED — population is a recorded census figure.
  • COMPUTED — the county's rank within the dollar-loss distribution is our placement over the 3,232 counties.
  • CONTEXT — the note below is framing, not a measurement.

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What this is — and is not

This is FEMA/CDC modeled hazard exposure for Clay, FL and where it ranks among U.S. counties. It is not a verdict on whether Clay is a good or bad place to live — hazard exposure is not place quality, and a county can't opt out of its geography. It is not a per-property or per-address risk assessment, not a prediction of any specific disaster, and not insurance advice. For site-specific risk use a per-property assessment; for the underlying model see FEMA National Risk Index.