Guest, Sign inJoin

Post to Cloverdale

We’ll email a one-tap link to publish your post. No password, and nothing is public until you click it.
Already a member? Sign in
Cloverdale commercial districtPhoto: Nyttend · Public domain
–Not graded
Natural hazards in Cloverdale · FEMA

Storms, floods and disasters in Cloverdale

Cloverdale isn’t graded for hazard risk: Cloverdale has 108 residents; we grade towns of 1,000 or more.

Flood claims
0
paid since 1978 · $0
Disasters paid out here
1
of 9 declared for Putnam County
By hazard

What Cloverdale 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

78%of expected building damage
Above average · higher than 78% of U.S. census tracts
Recorded about once every 2 years in the area

Tornadoes

9%of expected building damage
Well above average · higher than 83% of U.S. census tracts
Recorded about once every 14 years in the area

Hail

6%of expected building damage
Well above average · higher than 88% of U.S. census tracts
Recorded about 3 times a year in the area
Smaller shares here
 Strong wind Earthquakes Ice storms Winter storms Hurricanes Lightning Wildfire Cold waves Heat waves top 5% Landslides
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity

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.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Flood insurance claims

Does Cloverdale flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Cloverdale. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.

of homes in flood zones are insured
of all homes are insured
No community discount

Cloverdale isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Putnam County.
Disasters

1 federal disaster brought FEMA money to Cloverdale

Disasters that paid out in Cloverdale itself (aid to households or repair grants to the Village of Cloverdale), newest first, with that year’s flood claims.

  1. 2007Severe Storms, Flooding, and Tornadoes13 households applied for aid$34K aid approved
Disasters declared, by decade
Paid out in CloverdalePutnam County only

Putnam County has had 9 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.

Were you here?

Old photos of Cloverdale after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Cloverdale archive →
Be ready

Get ready for what Cloverdale faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

When the river rises
  • 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.
More from Ready.gov ↗
Tornado warnings
  • 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.
More from Ready.gov ↗
Hail
  • 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.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Cloverdale

Is Cloverdale 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 Putnam County, 20% of homes in mapped flood zones carry federal flood insurance, and 0.8% of all homes do.

How much is flood insurance in Cloverdale?

FEMA’s Community Rating System list shows no discount for Cloverdale’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 Cloverdale?

By FEMA money that reached Cloverdale, Severe Storms, Flooding, and Tornadoes (2007): 13 households applied for aid, $34K approved.

Storm stories

Memories, warnings and help from neighbors in Cloverdale.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Cloverdale’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.