Natural Disaster Risk in Clay County
Iowa
4.7out of 10
Risk Summary for Clay County
Average natural disaster risk for the United States. Standard homeowners insurance typically covers common hazards here.
Top Hazards
Hail Winter Weather Drought
All 18 Hazard Scores
Hail 8.5
Winter Weather 7.5
Drought 6.7
Tornado 6.0
Tsunami 5.4
Volcanic Activity 5.1
Cold Wave 5.0
Coastal Flooding 4.9
Ice Storm 4.9
Avalanche 4.5
Strong Wind 4.1
Landslide 4.1
Wildfire 3.8
Extreme Heat 2.8
Earthquake 2.5
Hurricane 2.4
Lightning 2.2
Riverine Flooding 1.0
How it compares
Clay County 4.7
Iowa avg. 5.4
US national avg. 4.5
Live Conditions
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🏠 What this means for insurance
Average risk — standard coverage usually sufficient
This area carries average natural disaster risk. A standard homeowners or renters policy should cover common events, but review the exclusions for floods and earthquakes, which are almost never included by default.
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Cities in Clay County
Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. For informational purposes only.