Natural Disaster Risk in Clay
Kentucky
Risk Summary for Clay
Clay scores 5.2/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Ice Storm.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 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.
Natural Hazard Profile: Clay, Kentucky
Clay, in Webster County, is a small community of about 2,109 situated in the interior eastern United States. Its humid subtropical climate brings hot, humid summers and cold winters with ice storm risk, and in particular recurring winter ice storm events. These conditions collectively define the natural hazard environment that Clay residents and property owners must navigate.
According to FEMA's National Risk Index, Clay carries an overall risk score of 5.2/10, placing it in the moderate category. Ice storm risk tops the local winter hazard profile, with freezing rain events capable of coating roads, trees, and power lines with ice that causes widespread outages and dangerous travel conditions. The area also faces notable exposure to earthquake and drought.
Within Kentucky, Clay's risk is, near the 5.5/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of Webster County identifies ice storm as the foremost hazard, followed by earthquake and drought. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
Clay's moderate risk profile means that while catastrophic events are less frequent, they do occur. Standard homeowners insurance typically covers many common hazards here, but confirming that ice storm exposure is adequately protected is a worthwhile step for property owners.
What this means for Clay: Ice Storm preparedness
- Have a backup heat source and charged devices ready before winter storms arrive.
- Prepare for multi-day power outages, as ice accretion frequently downs power lines.
- Keep walkways treated and avoid travel during freezing-rain events.
Local Factors for Clay
These city-level factors differentiate Clay from other communities in Webster County and provide geographic context for its hazard exposure.
Population
2,109
Small TownGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Moderate Continental
Latitude 37.5°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 1.5/10
Coordinates
37.4788° N, 87.8364° W
Webster 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 Clay
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Clay
Other cities in Kentucky
Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.