Property Atlas

County hazard profile

Clay, MO

Missouri · pop. 252,904 · FIPS 29047

Relatively Moderate
FEMA risk rating · RATING
Cold Wave
dominant hazard
$113M
modeled expected annual loss/yr

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

lower than most counties (35th percentile)

national median $15M/yr Clay $113M

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 89.79/100
national median ~50 among the highest nationally
Social vulnerabilityVery Low 11.39/100
national median ~50 among the lowest nationally
Community resilienceVery High 82.63/100
national median ~50 higher than 83% of counties

Recorded · NFIP flood claims RECORDED

Realized flood losses in Clay

The National Flood Insurance Program has paid 790 flood-insurance claims totaling $10.7M in Clay since 1978. The costliest year was 1982 ($1.7M paid).

Flood-insurance dollars paid by year of loss

1978: $6,701 paid 1979: $103,883 paid 1980: $0 paid 1981: $95,380 paid 1982: $1,748,686 paid 1983: $17,712 paid 1984: $45,183 paid 1985: $50,256 paid 1986: $16,122 paid 1987: $0 paid 1988: $1,220 paid 1989: $144,784 paid 1990: $237,304 paid 1991: $0 paid 1992: $284,014 paid 1993: $1,714,971 paid 1994: $0 paid 1995: $34,852 paid 1996: $304,913 paid 1997: $5,329 paid 1998: $1,477,792 paid 1999: $194,103 paid 2000: $20,705 paid 2001: $26,245 paid 2004: $267,432 paid 2006: $3,117 paid 2007: $698,994 paid 2008: $150,826 paid 2009: $125,815 paid 2010: $196,936 paid 2011: $9,142 paid 2012: $0 paid 2013: $82,172 paid 2015: $1,211,727 paid 2016: $53,673 paid 2017: $814,229 paid 2019: $28,222 paid 2020: $898 paid 2021: $542,152 paid 2022: $0 paid 2025: $0 paid 2026: $22,649 paid 1982 · $1.7M 1978 2026
$10.7M
total paid
$13,593
average claim
$500K
largest single claim
56%
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, MO 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.