FEMA puts Cleora’s expected hazard damage per building above that of 89% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Cleora gets a D for hazard risk: higher expected damage per building than 89% of U.S. towns. Most of that expected damage is river and rain flooding (82%). 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 Cleora 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
Ice storms
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 Cleora’s grade
River and rain flooding is 82% of the building damage FEMA expects in Cleora, and Cleora’s rate of river and rain flooding damage is in the top 7% of U.S. census tracts. Ice storms add 8%, at a rate in the top 1% of U.S. census tracts.
D higher expected damage per building than 89% of U.S. towns (21,298).
Cleora’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $1.4M a year in losses across Cleora: $1.0M to buildings, the rest to people and crops.
Does Cleora flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Cleora. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Cleora isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Delaware County.The storms Cleora remembers
None of the 26 disasters declared for Delaware County shows FEMA aid or repair money reaching Cleora itself in FEMA’s records, so these are its biggest flood-claim years.
Delaware County has had 26 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.
Get ready for what Cleora 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.
- Ice brings down trees and lines: plan for days without power.
- Run a generator outside, far from doors and windows.
- Keep sand or salt by the door.
- 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 Cleora
Is Cleora at risk for natural disasters?
On FEMA’s National Risk Index, Cleora has higher expected damage per building than 89% of U.S. towns: D for hazard risk. Most of the expected damage is river and rain flooding (82%) and ice storms (8%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Cleora 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 Delaware County, 9% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.
How much is flood insurance in Cleora?
FEMA’s Community Rating System list shows no discount for Cleora’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Cleora at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (82%), and Cleora’s rate for it is in the top 7% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Cleora.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Cleora’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.