Photo: Nyttend · Public domainStorms, floods and disasters in Clarington
Clarington isn’t graded for hazard risk: Clarington has 330 residents; we grade towns of 1,000 or more. Flood insurance has paid 15 claims here since 1979.
What Clarington 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.
Does Clarington flood? Sometimes: 15 flood claims since 1979
Every paid claim on a federal flood insurance policy in Clarington, from FEMA’s records.
- Tropical Storm Ivan10 claims · $189K
Clarington isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Monroe County.6 federal disasters brought FEMA money to Clarington
Disasters that paid out in Clarington itself (aid to households or repair grants to the Village of Clarington), newest first, with that year’s flood claims.
- 2018Severe Storms, Landslides, and Mudslides$69K to the Village of Clarington for repairs
- 2011Severe Storms and Flooding$4K to the Village of Clarington for repairs
- 2004Severe Winter Storms, Flooding, and Mudslides$15K to the Village of Clarington for repairs
- 2004Severe Storms and Flooding45 households applied for aid$139K aid approved$28K to the Village of Clarington for repairs
- 2003Tornadoes, Flooding, Severe Storms, and High Winds$6K to the Village of Clarington for repairs
- 2003Severe Winter Storm and Record/near Record Snow$5K to the Village of Clarington for repairs
Monroe County has had 18 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 Clarington after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Clarington archive →Clarington and its neighbors
How expected damage per building compares across the town line. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Salem Township | — | 854 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 Clarington 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 Clarington
Does Clarington flood?
Flood insurance has paid 15 claims in Clarington since 1979, $196K in all. 2 properties have flooded more than once. The most claims came from Tropical Storm Ivan (10).
Is Clarington 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 Monroe County, 8% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.
How much is flood insurance in Clarington?
FEMA’s Community Rating System list shows no discount for Clarington’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 Clarington?
By FEMA money that reached Clarington, Severe Storms and Flooding (2004): 45 households applied for aid, $139K approved, and $28K to the Village of Clarington for repairs. By flood claims, Tropical Storm Ivan: 10 paid, $189K.
Storm stories
Memories, warnings and help from neighbors in Clarington.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Clarington’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.