Photo: Bmburch · CC BY-SA 4.0FEMA puts Clawson’s expected hazard damage per building below that of 81% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Clawson gets an A− for hazard risk: lower expected damage per building than 81% of U.S. towns, #283 of 701 in Michigan. Most of that expected damage is river and rain flooding (75%), then tornadoes (18%). Flood insurance has paid 3 claims here since 2014.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What Clawson 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
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.
What’s behind Clawson’s grade
River and rain flooding is 75% of the building damage FEMA expects in Clawson, and Clawson’s rate of river and rain flooding damage is lower than 66% of U.S. census tracts. Next is tornadoes at 18% (higher than 86% of U.S. census tracts).
A− #283 of 701 in Michigan; lower expected damage per building than 81% of U.S. towns (21,298).
Clawson’s residents live in 4 census tracts; FEMA’s figures are combined by where they live.
The typical Michigan town has lower expected damage than 77% of U.S. towns; within the state, Clawson has less expected damage per building than 60% of Michigan towns.
In dollars, FEMA expects about $2.9M a year in losses across Clawson: $1.7M to buildings, the rest to people and crops.
Does Clawson flood? Rarely: 3 flood claims since 2014
Every paid claim on a federal flood insurance policy in Clawson, from FEMA’s records: 0.5 per 1,000 homes, fewer than 89% of the 13,809 U.S. towns with a flood insurance record.
Clawson isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Oakland County.4 federal disasters brought FEMA money to Clawson
Disasters that paid out in Clawson itself (aid to households or repair grants to the City of Clawson), newest first, with that year’s flood claims.
- 2023Severe Storms, Tornadoes, and Flooding26 households applied for aid$49K aid approved
- 2021Severe Storms, Flooding, and Tornadoes8 households applied for aid$1K aid approved
- 2014Severe Storms and Flooding701 households applied for aid$856K aid approved2 flood claims paid that year
- 2004Severe Storms, Tornadoes, and Flooding3 households applied for aid$352 aid approved
Oakland County has had 11 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 Clawson after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Clawson archive →Clawson and its neighbors
Clawson is 2nd of the 3 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Clawson 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.
- 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 Clawson
Is Clawson at risk for natural disasters?
On FEMA’s National Risk Index, Clawson has lower expected damage per building than 81% of U.S. towns: A− for hazard risk, #283 of 701 in Michigan. Most of the expected damage is river and rain flooding (75%) and tornadoes (18%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Clawson flood?
Flood insurance has paid 3 claims in Clawson since 2014, $10K in all, or 0.5 per 1,000 homes, fewer than 89% of U.S. towns with a flood insurance record.
Is Clawson 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 Oakland County, 21% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.
How much is flood insurance in Clawson?
FEMA’s Community Rating System list shows no discount for Clawson’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 Clawson?
By FEMA money that reached Clawson, Severe Storms and Flooding (2014): 701 households applied for aid, $856K approved.
Is Clawson at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (75%), and Clawson’s rate for it is lower than 66% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Clawson.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Clawson’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.