Photo: Jimmy Emerson from Dalton GA · CC BY-SA 2.0On FEMA’s figures, Clyde faces about as much hazard damage per building as the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Clyde gets a C+ for hazard risk: higher expected damage per building than 58% of U.S. towns. Most of that expected damage is river and rain flooding (94%). Flood insurance has paid 4 claims here since 2006.
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 Clyde 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 Clyde’s grade
River and rain flooding is 94% of the building damage FEMA expects in Clyde, and Clyde’s rate of river and rain flooding damage is higher than 79% of U.S. census tracts.
C+ higher expected damage per building than 58% of U.S. towns (21,298).
All of Clyde’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $592K a year in losses across Clyde: $538K to buildings, the rest to people and crops.
Does Clyde flood? Rarely: 4 flood claims since 2006
Every paid claim on a federal flood insurance policy in Clyde, from FEMA’s records: 4.0 per 1,000 homes, more than 55% of the 13,809 U.S. towns with a flood insurance record.
Clyde isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Wayne County.2 federal disasters brought FEMA money to Clyde
Disasters that paid out in Clyde itself (aid to households or repair grants to the Village of Clyde), newest first, with that year’s flood claims.
- 2003Ice Storm34 households applied for aid$30K aid approved$48K to the Village of Clyde for repairs
- 1999Snow$1K to the Village of Clyde for repairs
Wayne County has had 11 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 Clyde after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Clyde archive →Get ready for what Clyde 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 Clyde
Is Clyde at risk for natural disasters?
On FEMA’s National Risk Index, Clyde has higher expected damage per building than 58% of U.S. towns: C+ for hazard risk. Most of the expected damage is river and rain flooding (94%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Clyde flood?
Flood insurance has paid 4 claims in Clyde since 2006, $12K in all, or 4.0 per 1,000 homes, more than 55% of U.S. towns with a flood insurance record.
Is Clyde 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 Wayne County, 0.4% of all homes carry federal flood insurance.
How much is flood insurance in Clyde?
FEMA’s Community Rating System list shows no discount for Clyde’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 Clyde?
By FEMA money that reached Clyde, Ice Storm (2003): 34 households applied for aid, $30K approved, and $48K to the Village of Clyde for repairs.
Is Clyde at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (94%), and Clyde’s rate for it is higher than 79% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Clyde.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Clyde’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.