Property Atlas

County hazard profile

Clayton, IA

Iowa · pop. 17,028 · FIPS 19043

Very Low
FEMA risk rating · RATING
Landslide
dominant hazard
$15M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Clayton $15M

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 indexVery Low 42.21/100
national median ~50 near the national middle (42nd percentile)
Social vulnerabilityRelatively Low 27.64/100
national median ~50 lower than most counties (28th percentile)
Community resilienceRelatively High 63.71/100
national median ~50 near the national middle (64th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Clayton

The National Flood Insurance Program has paid 212 flood-insurance claims totaling $3.4M in Clayton since 1979. The costliest year was 2008 ($1.4M paid).

Flood-insurance dollars paid by year of loss

1979: $1,495 paid 1981: $617 paid 1982: $725 paid 1983: $1,644 paid 1986: $3,744 paid 1991: $205,359 paid 1993: $110,072 paid 1997: $36,527 paid 1998: $0 paid 1999: $240,376 paid 2001: $254,789 paid 2004: $357,217 paid 2007: $7,495 paid 2008: $1,370,707 paid 2009: $658 paid 2010: $35,754 paid 2011: $188,854 paid 2013: $17,199 paid 2014: $3,251 paid 2016: $57,681 paid 2017: $148,338 paid 2018: $909 paid 2019: $207,841 paid 2021: $28,314 paid 2023: $67,577 paid 2024: $18,624 paid 2008 · $1.4M 1979 2024
$3.4M
total paid
$15,876
average claim
$150K
largest single claim
85%
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, IA 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.