Natural Disaster Risk in Clara City
Minnesota
5.2out of 10
Risk Summary for Clara City
Average natural disaster risk for the United States. Standard homeowners insurance typically covers common hazards here.
Top Hazards
Winter Weather Extreme Heat Cold Wave
All 18 Hazard Scores
Winter Weather 7.7
Extreme Heat 7.5
Cold Wave 7.3
Hail 7.0
Drought 6.7
Strong Wind 5.9
Ice Storm 5.7
Tsunami 5.4
Volcanic Activity 5.1
Tornado 5.0
Landslide 4.9
Coastal Flooding 4.9
Avalanche 4.5
Wildfire 4.3
Lightning 2.5
Hurricane 2.4
Earthquake 2.1
Riverine Flooding 1.0
How it compares
Clara City 5.2
Minnesota avg. 5.2
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.
ZIP Codes in Clara City
Other cities in Minnesota
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.