Guest, Sign inJoin

Post to Avondale

We’ll email a one-tap link to publish your post. No password, and nothing is public until you click it.
Already a member? Sign in
–Not graded
Natural hazards in Avondale · FEMA

Storms, floods and disasters in Avondale

Avondale isn’t graded for hazard risk: Avondale has 308 residents; we grade towns of 1,000 or more. Flood insurance has paid 49 claims here since 1979.

Flood claims
49
paid since 1979 · $393K
Flooded more than once
3
properties · 1 “severe repetitive loss”
Disasters paid out here
2
of 22 declared for Clay County
By hazard

What Avondale 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

78%of expected building damage
Above average · higher than 64% of U.S. census tracts
Recorded about 3 times a year in the area

Tornadoes

12%of expected building damage
Well above average · higher than 85% of U.S. census tracts

Hail

9%of expected building damage
Well above average · in the top 9% of U.S. census tracts
Recorded about 9 times a year in the area
Smaller shares here
 Ice storms Strong wind Earthquakes Winter storms Heat waves top 2% Lightning Wildfire Cold waves Landslides
FEMA models no building damage here
Coastal floodingHurricanesAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts cold waves at 28% of Avondale’s expected losses. Cold waves do little damage to buildings (0.0%), so they aren’t part of the grade.

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.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Flood insurance claims

Does Avondale flood? Sometimes: 49 flood claims since 1979

Every paid claim on a federal flood insurance policy in Avondale, from FEMA’s records.

Paid flood claims, by year
1979: 5 claims1980: 0 claims1981: 2 claims1982: 14 claims1983: 0 claims1984: 0 claims1985: 0 claims1986: 0 claims1987: 0 claims1988: 0 claims1989: 3 claims1990: 0 claims1991: 0 claims1992: 3 claims1993: 1 claim1994: 0 claims1995: 0 claims1996: 1 claim1997: 0 claims1998: 10 claims1999: 2 claims2000: 0 claims2001: 0 claims2002: 0 claims2003: 0 claims2004: 4 claims2005: 0 claims2006: 0 claims2007: 0 claims2008: 0 claims2009: 0 claims2010: 1 claim2011: 0 claims2012: 0 claims2013: 0 claims2014: 0 claims2015: 1 claim2016: 1 claim2017: 1 claim2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims197919821998
19792026
Biggest named events
  • The Midwest Flooding1 claim · $36K
49
paid claims since 1979
$393K
paid to owners
3
homes flooded more than once
$8K
average claim
Homes that flooded again and again
FEMA “severe repetitive loss” (1)Flooded 2+ times
of homes in flood zones are insured
of all homes are insured
No community discount

Avondale 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.
What’s been done with FEMA grants
6flood-prone properties bought out and cleared
Disasters

2 federal disasters brought FEMA money to Avondale

Disasters that paid out in Avondale itself (aid to households or repair grants to the City of Avondale), newest first, with that year’s flood claims.

  1. 2004Severe Storms, Tornadoes, and Flooding1 households applied for aid$2K aid approved4 flood claims paid that year
  2. 2002Severe Winter Ice Storm$2K to the City of Avondale for repairs
Disasters declared, by decade
Paid out in AvondaleClay County only

Clay County has had 22 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.

Were you here?

Old photos of Avondale after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Avondale archive →
Be ready

Get ready for what Avondale faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

When the river rises
  • 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.
More from Ready.gov ↗
Tornado warnings
  • 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.
More from Ready.gov ↗
Hail
  • Park in a garage or under cover when storms are forecast.
  • Stay away from windows while it falls.
  • Photograph roof and car damage for your insurer.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Avondale

Does Avondale flood?

Flood insurance has paid 49 claims in Avondale since 1979, $393K in all. 3 properties have flooded more than once. The most claims came from Midwest Flooding (1).

Is Avondale 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, 27% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.

How much is flood insurance in Avondale?

FEMA’s Community Rating System list shows no discount for Avondale’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 Avondale?

By FEMA money that reached Avondale, Severe Winter Ice Storm (2002): $2K to the City of Avondale for repairs. By flood claims, Midwest Flooding: 1 paid, $36K.

Storm stories

Memories, warnings and help from neighbors in Avondale.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Avondale’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.