Photo: Kbh3rd · CC BY 4.0FEMA expects about as much hazard damage per building in Clinton as in the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Clinton gets a B− for hazard risk: higher expected damage per building than 54% of U.S. towns, #102 of 247 in Missouri. Most of that expected damage is river and rain flooding (71%). Flood insurance has paid 1 claim here since 1981.
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 Clinton 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
Hail
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 Clinton’s grade
River and rain flooding is 71% of the building damage FEMA expects in Clinton, and Clinton’s rate of river and rain flooding damage is higher than 60% of U.S. census tracts. Strong wind adds 5%, at a rate in the top 7% of U.S. census tracts.
B− #102 of 247 in Missouri; higher expected damage per building than 54% of U.S. towns (21,298).
Clinton’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
The typical Missouri town has higher expected damage than 59% of U.S. towns; within the state, Clinton has less expected damage per building than 59% of Missouri towns.
In dollars, FEMA expects about $5.0M a year in losses across Clinton: $3.1M to buildings, the rest to people and crops.
Does Clinton flood? Rarely: 1 flood claim since 1981
Every paid claim on a federal flood insurance policy in Clinton, from FEMA’s records: 0.2 per 1,000 homes, fewer than 97% of the 13,809 U.S. towns with a flood insurance record.
Clinton isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Henry County.7 federal disasters brought FEMA money to Clinton
Disasters that paid out in Clinton itself (aid to households or repair grants to the City of Clinton), newest first, with that year’s flood claims.
- 2019Severe Storms, Tornadoes, and Flooding$199K to the City of Clinton for repairs
- 2015Severe Storms, Tornadoes, Straight-line Winds, and Flooding$39K to the City of Clinton for repairs
- 2011Severe Winter Storm and Snowstorm$15K to the City of Clinton for repairs
- 2006Severe Storms, Tornadoes and Flooding2 households applied for aid$306 aid approved
- 2004Severe Storms, Tornadoes, and Flooding8 households applied for aid$21K aid approved
- 2003Severe Storms, Tornadoes, and Flooding3 households applied for aid$7K aid approved
Show all 7
- 2002Severe Winter Ice Storm$4K to the City of Clinton for repairs
Henry County has had 16 natural disasters declared by the President since 1953, most often severe storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Clinton after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Clinton archive →Clinton and its neighbors
Clinton has the lowest expected damage per building of the 2 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Clinton | B−more damage than 54% | river and rain flooding | 1 |
| Fields Creek Township | C+more damage than 58% | river and rain flooding | — |
| Clinton Township | — | not graded yet | |
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 Clinton 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.
- 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.
- 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 Clinton
Is Clinton at risk for natural disasters?
On FEMA’s National Risk Index, Clinton has higher expected damage per building than 54% of U.S. towns: B− for hazard risk, #102 of 247 in Missouri. Most of the expected damage is river and rain flooding (71%) and tornadoes (10%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Clinton flood?
Flood insurance has paid 1 claim in Clinton since 1981, $8K in all, or 0.2 per 1,000 homes, fewer than 97% of U.S. towns with a flood insurance record.
Is Clinton 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 Henry County, 9% of homes in mapped flood zones carry federal flood insurance, and 0.1% of all homes do.
How much is flood insurance in Clinton?
FEMA’s Community Rating System list shows no discount for Clinton’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 Clinton?
By FEMA money that reached Clinton, Severe Storms, Tornadoes, and Flooding (2019): $199K to the City of Clinton for repairs.
Is Clinton at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (71%), and Clinton’s rate for it is higher than 60% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Clinton.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Clinton’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.