Property Atlas

County hazard profile

Clayton, GA

Georgia · pop. 297,436 · FIPS 13063

Relatively Moderate
FEMA risk rating · RATING
Tornado
dominant hazard
$60M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Clayton $60M

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 86.74/100
national median ~50 higher than 87% of counties
Social vulnerabilityRelatively Moderate 42.43/100
national median ~50 near the national middle (42nd percentile)
Community resilienceVery Low 8.37/100
national median ~50 among the lowest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Clayton

The National Flood Insurance Program has paid 286 flood-insurance claims totaling $3.3M in Clayton since 1978. The costliest year was 2024 ($1.0M paid).

Flood-insurance dollars paid by year of loss

1978: $324 paid 1979: $1,926 paid 1980: $3,807 paid 1981: $7,866 paid 1982: $285 paid 1983: $1,303 paid 1989: $23,200 paid 1990: $13,175 paid 1991: $250 paid 1992: $98 paid 1993: $1,290 paid 1994: $102,471 paid 1995: $34,799 paid 1996: $7,226 paid 1997: $3,310 paid 1998: $5,552 paid 2001: $1,085 paid 2002: $3,771 paid 2003: $40,671 paid 2004: $283,832 paid 2005: $287,065 paid 2006: $11,394 paid 2007: $15,672 paid 2009: $111,742 paid 2010: $7,850 paid 2011: $0 paid 2012: $3,008 paid 2013: $198,748 paid 2014: $10,508 paid 2015: $253,855 paid 2016: $24,791 paid 2017: $4,370 paid 2018: $10,683 paid 2019: $5,727 paid 2020: $432,927 paid 2021: $86,438 paid 2022: $44,713 paid 2024: $1,031,694 paid 2025: $209,096 paid 2026: $0 paid 2024 · $1.0M 1978 2026
$3.3M
total paid
$11,491
average claim
$231K
largest single claim
59%
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 Clayton, GA and where it ranks among U.S. counties. It is not a verdict on whether Clayton 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.