Natural Disaster Risk in Clayton
Delaware
Risk Summary for Clayton
Clayton scores 7.3/10 (High risk), above the U.S. average of 4.5. The leading hazard is Coastal Flooding.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
π What this means for insurance
Above-average risk β check your policy limits
Standard homeowners insurance may not fully cover all hazards rated highly in this area. Verify that your policy includes adequate coverage for the top local hazards, and ask your insurer about specific endorsements or separate policies (e.g., flood, earthquake).
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: Clayton, Delaware
Located along the mid-Atlantic coast in Kent County, Clayton is a town of roughly 9,561 residents. The humid subtropical climate that characterizes this part of Delaware β marked by moderately hot summers and mild winters with coastal storm exposure β directly influences the types and severity of natural hazards present, making Clayton a community where hazard awareness has real practical value.
FEMA rates Clayton's composite natural disaster risk at 7.3 out of 10 β high risk. Coastal flooding is the dominant hazard, with storm surge from tropical systems and nor'easters capable of inundating low-lying shoreline areas well above normal tidal levels. Residents should also account for cold wave and hurricane risk in their preparedness planning.
Relative to other U.S. communities, Clayton's natural disaster risk is well above the U.S. national average of 4.5/10, slightly below the 7.7/10 state average. The hazard distribution here is led by coastal flood and cold wave, as measured by FEMA across Kent County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
With a high natural disaster risk rating, Clayton residents benefit from taking preparedness seriously. Reviewing insurance coverage for coastal flood and secondary hazards, registering for emergency alerts, and maintaining a household emergency kit are practical steps that can significantly reduce impact during a major event.
What this means for Clayton: Coastal Flooding preparedness
- Know your evacuation zone and monitor tidal and surge forecasts during coastal storms.
- Elevate utilities and consider flood-resistant construction in low-lying shoreline areas.
- Coastal flood and storm-surge damage requires separate flood insurance, not standard homeowners coverage.
Local Factors for Clayton
These city-level factors differentiate Clayton from other communities in Kent County and provide geographic context for its hazard exposure.
Population
9,561
Small TownGeographic Zone
Atlantic Coast
Hurricane, nor'easter & coastal flood risk
Climate Band
Moderate Continental
Latitude 39.3Β°
Flood Terrain
Minimal β county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate β seasonal fire risk
Fire score: 6.9/10
Coordinates
39.2565Β° N, 75.6988Β° W
Kent County
Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.
Recent Climate Data for Clayton
Last 12 months Β· Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Clayton
Other cities in Delaware
Data source: FEMA National Risk Index (NRI). Scores normalized to 1β10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.