Photo: Nyttend · Public domainFEMA expects about as much hazard damage per building in Clearfield Township as in the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Clearfield Township gets a B for hazard risk: lower expected damage per building than 58% of U.S. towns. Most of that expected damage is river and rain flooding (95%). Flood insurance has paid 5 claims here since 1984.
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 Clearfield 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
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 Clearfield Township’s grade
River and rain flooding is 95% of the building damage FEMA expects in Clearfield Township, and Clearfield Township’s rate of river and rain flooding damage is higher than 70% of U.S. census tracts.
B lower expected damage per building than 58% of U.S. towns (21,298).
All of Clearfield Township’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $601K a year in losses across Clearfield Township: $552K to buildings, the rest to people and crops.
Does Clearfield Township flood? Rarely: 5 flood claims since 1984
Every paid claim on a federal flood insurance policy in Clearfield Township, from FEMA’s records: 4.4 per 1,000 homes, more than 57% of the 13,809 U.S. towns with a flood insurance record.
Clearfield 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: Butler County.The storms Clearfield Township remembers
None of the 8 disasters declared for Butler County shows FEMA aid or repair money reaching Clearfield Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 19841 flood claims paidNo declaration for the county that year
- 19901 flood claims paidNo declaration for the county that year
- 19921 flood claims paidNo declaration for the county that year
Butler County has had 8 natural disasters declared by the President since 1953, most often floods, then hurricanes and tropical storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Clearfield Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Clearfield Township archive →Clearfield Township and its neighbors
Clearfield Township is 3rd of the 5 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 |
|---|---|---|---|
| Winfield Township | B+less damage than 72% | river and rain flooding | 13 |
| Donegal Township | Bless damage than 58% | river and rain flooding | — |
| Clearfield Township | Bless damage than 58% | river and rain flooding | 5 |
| Summit Township | B−less damage than 53% | river and rain flooding | 60 |
| West Franklin Township | C+more damage than 62% | river and rain flooding | 7 |
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 Clearfield 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.
- 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 Clearfield Township
Is Clearfield Township at risk for natural disasters?
On FEMA’s National Risk Index, Clearfield Township has lower expected damage per building than 58% of U.S. towns: B for hazard risk. Most of the expected damage is river and rain flooding (95%). 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 Clearfield Township flood?
Flood insurance has paid 5 claims in Clearfield Township since 1984, $21K in all, or 4.4 per 1,000 homes, more than 57% of U.S. towns with a flood insurance record.
Is Clearfield 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 Butler County, 20% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.
How much is flood insurance in Clearfield Township?
FEMA’s Community Rating System list shows no discount for Clearfield Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Clearfield Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (95%), and Clearfield Township’s rate for it is higher than 70% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Clearfield Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Clearfield 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.