Photo: Nyttend · Public domainLess hazard damage per building is expected in Clayton Township than in 80% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Clayton Township gets an A− for hazard risk: lower expected damage per building than 80% of U.S. towns. Most of that expected damage is river and rain flooding (81%). FEMA’s files show no paid flood insurance claims here.
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 Township 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
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 Township’s grade
River and rain flooding is 81% of the building damage FEMA expects in Clayton Township, and Clayton Township’s rate of river and rain flooding damage is lower than 60% of U.S. census tracts. Ice storms add 3%, at a rate in the top 8% of U.S. census tracts.
A− lower expected damage per building than 80% of U.S. towns (21,298).
Clayton Township’s residents live in 4 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $284K a year in losses across Clayton Township: $219K to buildings, the rest to people and crops.
Does Clayton Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Clayton Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Clayton Township isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Perry County.The storms Clayton Township remembers
None of the 16 disasters declared for Perry County shows FEMA aid or repair money reaching Clayton Township itself in FEMA’s records, so these are its biggest flood-claim years.
Perry County has had 16 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.
Clayton Township and its neighbors
Clayton Township is 2nd of the 6 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 |
|---|---|---|---|
| Reading Township | Aless damage than 91% | river and rain flooding | — |
| Clayton Township | A−less damage than 80% | river and rain flooding | 0 |
| Madison Township | B+less damage than 71% | river and rain flooding | — |
| Pike Township | Bless damage than 63% | river and rain flooding | 16 |
| Newton Township | C+more damage than 61% | river and rain flooding | 9 |
| Harrison Township | Cmore damage than 68% | river and rain flooding | 16 |
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 Township 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.
- 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 Township
Is Clayton Township at risk for natural disasters?
On FEMA’s National Risk Index, Clayton Township has lower expected damage per building than 80% of U.S. towns: A− for hazard risk. Most of the expected damage is river and rain flooding (81%) and tornadoes (7%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Clayton Township 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 Perry County, 13% of homes in mapped flood zones carry federal flood insurance, and 0.6% of all homes do.
How much is flood insurance in Clayton Township?
FEMA’s Community Rating System list shows no discount for Clayton Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Clayton Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (81%), and Clayton Township’s rate for it is lower than 60% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Clayton Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Clayton Township’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.