Photo: Brian Stansberry · CC BY 4.0Storms, floods and disasters in Datto
Datto isn’t graded for hazard risk: Datto has 67 residents; we grade towns of 1,000 or more.
What Datto faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
River and rain flooding
Earthquakes
Tornadoes
Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.
Does Datto flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Datto. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Datto 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.3 federal disasters brought FEMA money to Datto
Disasters that paid out in Datto itself (aid to households or repair grants to the Town of Datto), newest first, with that year’s flood claims.
- 2025Severe Storms, Tornadoes, and Flooding3 households applied for aid$11K aid approved
- 2009Severe Winter Storm$37K to the Town of Datto for repairs
- 2002Severe Ice Storm$2K to the Town of Datto for repairs
Clay County has had 20 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Datto after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Datto archive →Get ready for what Datto faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Datto
Is Datto in a flood zone?
Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Clay County, 8% of homes in mapped flood zones carry federal flood insurance, and 1.2% of all homes do.
How much is flood insurance in Datto?
FEMA’s Community Rating System list shows no discount for Datto’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Datto?
By FEMA money that reached Datto, Severe Winter Storm (2009): $37K to the Town of Datto for repairs.
Storm stories
Memories, warnings and help from neighbors in Datto.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Datto’s residents lived in the 2020 census; 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. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.