Photo: Smerdis · CC BY-SA 4.0FEMA expects less hazard damage per building in Clayton than in 88% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Clayton gets an A for hazard risk: lower expected damage per building than 88% of U.S. towns, #206 of 758 in New York. Most of that expected damage is river and rain flooding (89%). Flood insurance has paid 11 claims here since 1979.
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 Clayton 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
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 Clayton’s grade
River and rain flooding is 89% of the building damage FEMA expects in Clayton, and Clayton’s rate of river and rain flooding damage is lower than 61% of U.S. census tracts.
A #206 of 758 in New York; lower expected damage per building than 88% of U.S. towns (21,298).
Clayton’s residents live in 6 census tracts; FEMA’s figures are combined by where they live.
The typical New York town has lower expected damage than 69% of U.S. towns; within the state, Clayton has less expected damage per building than 73% of New York towns.
In dollars, FEMA expects about $1.5M a year in losses across Clayton: $1.3M to buildings, the rest to people and crops.
Does Clayton flood? Sometimes: 11 flood claims since 1979
Every paid claim on a federal flood insurance policy in Clayton, from FEMA’s records: 3.2 per 1,000 homes, fewer than 50% of the 13,809 U.S. towns with a flood insurance record.
Clayton isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Jefferson County.3 federal disasters brought FEMA money to Clayton
Disasters that paid out in Clayton itself (aid to households or repair grants to the Town of Clayton), newest first, with that year’s flood claims.
- 2017Flooding$42K to the Town of Clayton for repairs2 flood claims paid that year
- 2014Severe Winter Storm, Snowstorm, and Flooding$13K to the Town of Clayton for repairs
- 1999Snow$11K to the Town of Clayton for repairs
Jefferson County has had 15 natural disasters declared by the President since 1953, most often winter storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees; the 2001 World Trade Center declarations.
Old photos of Clayton after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Clayton archive →Clayton and its neighbors
Clayton is 3rd of the 5 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Lyme | A+less damage than 96% | river and rain flooding | 7 |
| Cape Vincent | Aless damage than 91% | river and rain flooding | 1 |
| Clayton | Aless damage than 88% | river and rain flooding | 11 |
| Orleans | Aless damage than 87% | river and rain flooding | 3 |
| Brownville | A−less damage than 85% | river and rain flooding | 12 |
| Thousand Island Park | — | 222 residents; we grade 1,000+ | |
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 Clayton 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.
- 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 Clayton
Is Clayton at risk for natural disasters?
On FEMA’s National Risk Index, Clayton has lower expected damage per building than 88% of U.S. towns: A for hazard risk, #206 of 758 in New York. Most of the expected damage is river and rain flooding (89%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Clayton flood?
Flood insurance has paid 11 claims in Clayton since 1979, $62K in all, or 3.2 per 1,000 homes, fewer than 50% of U.S. towns with a flood insurance record. 1 properties have flooded more than once.
Is Clayton 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 Jefferson County, 0.6% of all homes carry federal flood insurance.
How much is flood insurance in Clayton?
FEMA’s Community Rating System list shows no discount for Clayton’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 Clayton?
By FEMA money that reached Clayton, Flooding (2017): $42K to the Town of Clayton for repairs.
Is Clayton at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (89%), and Clayton’s rate for it is lower than 61% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Clayton.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Clayton’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.