FEMA Records
29
High volume
Minnesota · FEMA + NOAA + National Risk Index
Clay County, MN
29 FEMA disaster declarations (1966-2023), with a FEMA National Risk Index rating of Relatively Low. Most common hazard: Flood.
- 29
- FEMA declarations
- 24
- Major disasters
- 74
- NRI risk · Relatively Low
- Flood
- Top hazard
The verdict
Two federal records point in the busier direction for Clay County. Its 29 FEMA declarations are 64% above the Minnesota county mean and exceed the count for 85% of the 3,266 counties in this registry. Separately, FEMA's National Risk Index places it in the riskiest 26%, based on modeled expected annual loss, social vulnerability, and community resilience.
- Riskiest 26%
- of U.S. counties for FEMA National Risk Index score
- Relatively Low
- FEMA National Risk Index rating
- 29
- FEMA declarations vs 21 national county avg
- 1,358
- NFIP flood insurance claims filed
FEMA's National Risk Index and its declaration registry are separate measures. This county's registry includes Major Disaster (DR) and Emergency (EM) records; an EM authorizes a narrower set of federal assistance than a DR.
How does Clay County compare?
Clay County vs. all counties in this dataset
FEMA disaster declarations, all-time
29 Top 15% higher than 85% of 3,266 counties
Each bar is a band; taller bars hold more counties. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source FEMA Disaster Declarations Summaries v2 · 2026-08-03
Clay County's FEMA Risk Index score
FEMA National Risk Index composite score vs. the Minnesota county average
Which hazard drives modeled loss here?
FEMA's modeled annual dollar loss for Clay County is led by Riverine Flooding (about $28.3M Expected Annual Loss, Historical Loss Ratio Very High), while Winter Weather carries the highest National Risk Index rating (Relatively High). EAL and risk score use different inputs; they need not agree.
Source: FEMA National Risk Index (December 2025 release) - Expected Annual Loss vs composite risk rating by hazard.
What does Clay County's hazard record show?
Reading the federal records together
FEMA's NFIP table contains a substantial paid-claim history for this county: 1,358 claims and $13.8M in payments. PlainHazard labels 500 or more claims a heavy registry record; that is a reporting bucket, not an official FEMA risk grade. The average paid claim was $10.2K. NFIP totals exclude uninsured flood losses and do not measure how many properties currently carry a policy.
The declaration register points in the busier direction. Clay County's 29 federal records stand 64% above the Minnesota county mean of 17.7. That comparison describes how often federal action was recorded, including any Major Disaster, Emergency, and Fire Management entries shown on this page; it does not convert the count into future probability.
FEMA National Risk Index
This county carries a high composite score on FEMA's National Risk Index, 73.7/100, rated Relatively Low. Its Expected Annual Loss rating is Relatively Low (roughly $42.0M in annualized losses), and a Very Low social-vulnerability profile combined with Relatively High community resilience shapes how much of that raw exposure becomes realized harm. Of the 18 hazards FEMA models, Winter Weather stands out as the sharpest exposure here, rated Relatively High. FEMA's modeled frequency puts that hazard at an average of 24 times per year here, based on 464 historical events on record.
Declaration frequency
The FEMA register is busy by both local and national comparisons. It contains 29 entries for Clay County, including 24 Major Disaster records, 64% above the Minnesota county mean. Across the 57-year span, that works out to 0.5 declarations a year. Flood leads the file with 15 entries. Declaration type records the federal action taken, not every assistance program approved.
75 /100
Historical Activity Index
Very High historical activity
Clay County, MN · PlainHazard-derived composite from federal records
This 0–100 index is an explicit PlainHazard composite from FEMA declaration history only on the county surface (this DB has no county-level NOAA damage row) . It is not FEMA's National Risk Index, not a forecast, and not a safety, insurance, or preparedness rating. Open the calculator · Methodology
FEMA Declarations (1953–present) High
21/30
29 OpenFEMA declarations, full ingest window (1.4x national county average)
County Disaster Density Very High
20/25
29 declarations (1.6x state county average of 18)
Major Disaster Share Very High
21/25
24 of 29 declarations are major disasters (83%)
Hazard Diversity High
13/20
5 different disaster types declared in Clay County
Historical Declaration Activity
Activity Band
High
vs. Minnesota Avg
+64%
State avg: 17.7
vs. National Avg
+40%
National avg: 20.7
Avg Per Year
0.5
Over 57 years
FEMA NRI 8-hazard radar - Clay County
How to read this radar
Each axis: NRI risk rating (Very Low-Very High) on a 0-100 scale. Rounder = broad exposure; spiky = one or two hazards dominate.
Major Disaster share
83%
Mostly major
NRI risk score
74
Relatively Low
Source: FEMA National Risk Index Per-county per-hazard ratings, December 2025 release
How often does each hazard strike Clay County?
FEMA's National Risk Index models a historical event count and an annualized frequency for each hazard type. Most hazards are expressed as modeled occurrences per year; FEMA expresses drought and heat-wave frequency as event-days per year. These modeled frequencies are not forecasts.
| Hazard | NRI Risk Rating | Recurrence |
|---|---|---|
| Winter Weather | Relatively High | an average of 24 times per year |
| Cold Wave | Relatively Moderate | an average of 18 times per year |
| Riverine Flooding | Relatively Moderate | an average of 1.6 times per year |
| Hail | Relatively Moderate | an average of 4.1 times per year |
| Strong Wind | Relatively Moderate | an average of 2.5 times per year |
| Wildfire | Relatively Low | roughly once every 530 years |
| Tornado | Relatively Low | roughly once every 1 years |
| Ice Storm | Relatively Low | roughly once every 5 years |
| Drought | Relatively Low | 2.4 modeled event-days per year |
| Landslide | Very Low | roughly once every 8 years |
| Heat Wave | Very Low | 1.5 modeled event-days per year |
| Lightning | Relatively Low | an average of 30 times per year |
| Earthquake | Very Low | roughly once every 7,634 years |
Source: FEMA National Risk Index Modeled annualized frequency; drought and heat wave use event-days/year, December 2025 release
Disaster Types
Flood 15
Severe Storm 10
Biological 2
Hurricane 1
Drought 1
What Flood declarations mean here
Flood is the most frequent declaration type on Clay County's record, 52% of its declarations. Federal flood declarations cover two mechanisms that behave very differently: riverine flooding, which builds over days as a watershed drains and is usually forecast well in advance, and flash flooding, which can arrive in under an hour from rainfall that fell somewhere upstream.
Flood is also the one hazard class where a second federal dataset exists for the same events. The National Flood Insurance Program records what was actually paid on insured losses, so it measures a narrower thing than the declaration count: uninsured damage, and flooding outside mapped special flood hazard areas, never enters it. Reading the two together is more informative than either alone.
Declaration counts describe past federal action. They are a record of what was declared, not a forecast of future hazard probability.
Declaration Types
What DR / EM / FM mean
FEMA categorizes declarations as Major Disasters (DR), Emergencies (EM), or Fire Management Assistance (FM).
Major Disaster - 24 82.8%
of all 29 declarations
Emergency - 5 17.2%
of all 29 declarations
FEMA Declarations Timeline
| Year | Declarations | |
|---|---|---|
| 2023 | 1 | |
| 2020 | 2 | |
| 2019 | 1 | |
| 2011 | 1 | |
| 2010 | 2 | |
| 2009 | 2 | |
| 2006 | 2 | |
| 2005 | 1 | |
| 2002 | 1 | |
| 2001 | 1 | |
| 2000 | 1 | |
| 1999 | 1 | |
| 1997 | 2 | |
| 1996 | 1 | |
| 1995 | 1 | |
Show 9 earlier declaration years
| 1993 | 1 | |
| 1989 | 1 | |
| 1979 | 1 | |
| 1978 | 1 | |
| 1976 | 1 | |
| 1975 | 1 | |
| 1974 | 1 | |
| 1969 | 1 | |
| 1966 | 1 | |
Disaster Declarations
How the 29 FEMA declarations break into federal action codes (DR / EM / FM). Same DISTINCT grain as the table below.
Download these 29 declarations as CSV . FEMA source data is public domain; our derived presentation is CC0.
| DR# | Title | Type | Incident | Date |
|---|---|---|---|---|
| 4722 | SEVERE STORMS AND FLOODING | DR | Flood | 2023-07-19 |
| 4531 | COVID-19 PANDEMIC | DR | Biological | 2020-04-07 |
| 3453 | COVID-19 | EM | Biological | 2020-03-13 |
| 4442 | SEVERE WINTER STORM, STRAIGHT-LINE WINDS, AND FLOODING | DR | Flood | 2019-06-12 |
| 1982 | SEVERE STORMS AND FLOODING | DR | Flood | 2011-05-10 |
| 1900 | FLOODING | DR | Flood | 2010-04-19 |
| 3310 | FLOODING | EM | Flood | 2010-03-19 |
| 1830 | SEVERE STORMS AND FLOODING | DR | Severe Storm | 2009-04-09 |
| 3304 | SEVERE STORMS AND FLOODING | EM | Severe Storm | 2009-03-26 |
| 1648 | FLOODING | DR | Flood | 2006-06-05 |
| 1622 | SEVERE WINTER STORM | DR | Severe Storm | 2006-01-04 |
| 3242 | HURRICANE KATRINA EVACUATION | EM | Hurricane | 2005-09-13 |
| 1419 | SEVERE STORMS, FLOODING AND TORNADOES | DR | Severe Storm | 2002-06-14 |
| 1370 | SEVERE WINTER STORMS, FLOODING, AND TORNADOES | DR | Flood | 2001-05-16 |
| 1333 | SEVERE STORMS AND FLOODING | DR | Severe Storm | 2000-06-27 |
| 1283 | SEVERE STORMS, WINDS, AND FLOODING | DR | Severe Storm | 1999-07-28 |
| 1175 | SEVERE FLOODING, HIGH WINDS,SEVERE STORMS | DR | Flood | 1997-04-08 |
| 1158 | SEVERE WINTER STORMS | DR | Severe Storm | 1997-01-16 |
| 1116 | FLOODING AND SEVERE STORMS | DR | Flood | 1996-06-01 |
| 1064 | SEVERE THUNDERSTORMS, WINDS, FLOODING, TORNADOES, AND HEAT | DR | Severe Storm | 1995-08-18 |
Show 9 earlier declaration records
| DR# | Title | Type | Incident | Date |
|---|---|---|---|---|
| 993 | SEVERE STORMS, TORNADOES & FLOODING | DR | Severe Storm | 1993-06-11 |
| 824 | FLOODING | DR | Flood | 1989-05-08 |
| 582 | SEVERE STORMS & FLOODING | DR | Flood | 1979-04-30 |
| 555 | STORMS, ICE JAMS, SNOWMELT & FLOODING | DR | Flood | 1978-04-22 |
| 3013 | DROUGHT | EM | Drought | 1976-06-17 |
| 476 | SEVERE STORMS, TORNADOES & FLOODING | DR | Severe Storm | 1975-07-17 |
| 440 | HEAVY RAINS & FLOODING | DR | Flood | 1974-06-10 |
| 255 | FLOODING | DR | Flood | 1969-04-18 |
| 215 | FLOODING | DR | Flood | 1966-03-22 |
Storm Events in Minnesota
Statewide NOAA context only. PlainHazard does not currently attribute these state totals to Clay County.
| Storm Type | Events | Fatalities | Injuries | Property Damage |
|---|---|---|---|---|
| Thunderstorm Wind | 4,420 | 13 | 25 | $68.2M |
| Hail | 4,203 | 0 | 0 | $34.5M |
| Extreme Cold/Wind Chill | 1,789 | 7 | 4 | $55.0K |
| Winter Storm | 1,695 | 2 | 17 | $10.0M |
| Heavy Snow | 1,190 | 9 | 14 | $1.0M |
Source: NOAA Storm Events Database State-level aggregated data, 2015-2025
NFIP Flood Insurance Claims
Total Claims
1,358
Total Paid
$13.8M
Avg Per Claim
$10.2K
Source: FEMA National Flood Insurance Program (NFIP) OpenFEMA Claims Data
FEMA National Risk Index
Overall Risk
Relatively Low
Score: 73.7/100
Expected Annual Loss
Relatively Low
$42.0M/year
Social Vulnerability
Very Low
Community Resilience
Relatively High
Hazard Risk Breakdown
Winter Weather Relatively High
Cold Wave Relatively Moderate
Riverine Flooding Relatively Moderate
Hail Relatively Moderate
Strong Wind Relatively Moderate
Wildfire Relatively Low
Tornado Relatively Low
Ice Storm Relatively Low
Drought Relatively Low
Landslide Very Low
Heat Wave Very Low
Lightning Relatively Low
Earthquake Very Low
Source: FEMA National Risk Index (NRI) Ratings reflect relative scores among all US counties. Data: hazards.fema.gov/nri
The model's sharpest exposure here: Winter Weather
Winter Weather in the model means the accumulation of snow and cold that disrupts rather than destroys: road closures, roof loads, burst pipes and lost heating. Its costs land heavily on transport and on households least able to absorb an interruption.
Worth noting for Clay County: the model and the federal record do NOT point at the same hazard. Winter Weather carries the highest modeled rating (Relatively High), while the county's declaration history is led by Flood. That is not a contradiction, the two measure genuinely different things. Declarations record federal ACTION, which requires damage costly enough to exceed state and local capacity; the Risk Index models EXPECTED annual loss across all 18 hazards whether or not any declaration ever followed. A hazard can be the county's largest modeled exposure and never once have driven a declaration.
National Risk Index ratings are modeled estimates of expected annual loss, not predictions of what will happen in any given year.
Data-matched county comparisons
Clay County's closest FEMA peer: Livingston County, KY
Comparisons use published FEMA declaration fields plus the National Risk Index composite for Clay County. Record similarity, not a safety rating.
Closest declaration profiles
Clay County shows 29 FEMA declarations, led by Flood.
Similar Major-disaster share
Clay County: 24 of 29 of its declarations are Major.
Similar modeled NRI score
Clay County: NRI composite 73.7 (Relatively Low).
How these peers are chosen
Cohort: Published U.S. county equivalents outside the source state or territory. Each metric keeps six ETL candidates; three unique destinations are shown after de-duplicating across axes. Declaration-volume ranking combines count and Major-disaster share and prefers a different leading incident type; Major-share ranks the Major fraction adjusted for volume; NRI ranks the modeled composite score only.
Retained FEMA snapshot feed for Clay County - capture-dated entries only.
Further reading for this county
Understanding disaster data
Clay County's NFIP claims file (1,358 claims) and FEMA declaration history measure different federal records - this guide separates them from modeled NRI risk.
More PlainHazard guides
- Most disaster-prone counties - U.S. counties ranked by FEMA declaration totals.
- Understanding disaster data - declarations vs storm events vs NRI scores.
- Preparing for natural disasters - household checklist (not county-specific advice).
Related
Frequently Asked Questions
What is the most common disaster type in Clay County?
The most common disaster type in Clay County is Flood, with 15 declarations. Other disaster types include Severe Storm (10), Biological (2), Hurricane (1).
How does Clay County's FEMA declaration record compare with the Minnesota average?
FEMA lists 29 declaration records for Clay County. That is 64% above the Minnesota county mean of 17.7. Its count is also 40% above the national county mean of 20.7. A larger declaration history records more federal actions; it is not a forecast of the county's next hazard.
How many major FEMA disaster declarations has Clay County received?
Clay County has received 24 major disaster declarations, representing 83% of all 29 disaster declarations.
How many flood insurance claims has Clay County filed?
Clay County has 1,358 National Flood Insurance Program (NFIP) claims totaling $13.8M in payments, with an average of $10.2K per claim.
Does FEMA's top risk-rated hazard match the highest Expected Annual Loss in Clay County?
No. In Clay County, Winter Weather has the highest National Risk Index rating (Relatively High), while Riverine Flooding leads Expected Annual Loss at about $28.3M. FEMA's risk score and dollar-loss model use different inputs, so the leaders often differ.
What was the worst year for disasters in Clay County?
The most active year for disaster declarations in Clay County was 1997, with 2 declarations. The county has FEMA disaster data spanning 1966 to 2023.
What is the FEMA National Risk Index score for Clay County?
According to the FEMA National Risk Index, Clay County, Minnesota has an overall risk score of 73.7 out of 100 (Relatively Low). On social vulnerability the county rates Very Low; on community resilience, Relatively High. The Expected Annual Loss (EAL) score is Relatively Low, representing $42.0M in annualized losses.
Which natural hazard poses the greatest risk to Clay County?
Based on FEMA NRI data, the highest-risk natural hazard in Clay County is Winter Weather (risk rating: Relatively High). Other significant hazards include Cold Wave (Relatively Moderate) and Riverine Flooding (Relatively Moderate). FEMA's modeled event frequency puts winter weather here at an average of 24 times per year, drawn from 464 historical events on record. FEMA derives these ratings from historical event frequency, the assets exposed, and the community's vulnerability profile.
Data Sources & Methodology
Disaster declaration data comes from the FEMA OpenFEMA Disaster Declarations Summaries v2 API, which includes all federally declared disasters, emergencies, and fire management assistance grants.
Storm event data is sourced from the NOAA Storm Events Database (2015-2025), which tracks significant weather events including thunderstorms, tornadoes, floods, and winter storms.
Flood insurance data comes from the FEMA National Flood Insurance Program (NFIP) OpenFEMA claims dataset.
This data is provided for informational purposes only. FEMA disaster declarations represent federal response actions and may not capture all local emergencies or weather events.
What this means for Clay County
Clay County, MN has 29 federal declaration records, 64% more than the Minnesota county mean of 18; its history sits in PlainHazard's high activity band.
- Within this above-state-average declaration file, major disaster leads with 24 of 29 records; the category describes past federal action, not the next likely hazard. Minnesota overview
- The state benchmark and national rank point the same way: this count tops the Minnesota mean and the totals for 85% of 3,266 U.S. counties. Most-disaster rankings
- The large NFIP claims file and FEMA declaration history measure different federal records; the guide explains where they overlap and where they do not. Disaster-data guide
An above-average declaration count records past federal responses; it does not predict the next event. Current warnings come from the National Weather Service and local emergency officials.
PlainHazard derives this profile from FEMA's Disaster Declarations Summaries and National Risk Index data. The declaration comparison covers 3,266 U.S. counties and county equivalents in this database, refreshed as of 2026-08-03. Read our methodology - how this data is sourced, computed, and verified.
All federal data sources used on this page
- FEMA OpenFEMA, Disaster Declarations Summaries v2 - all federally-declared disasters for this county. fema.gov/openfema/disaster-declarations
- FEMA National Risk Index (NRI) - per-county per-hazard risk ratings and expected annual loss. hazards.fema.gov/nri
- NOAA NCEI Storm Events Database - state-level storm/severe-weather event records, 2015-2025. ncdc.noaa.gov/stormevents
Data sourced from official public datasets. See our methodology for details. Retrieved and formatted by PlainHazard Editorial
Verify with FEMA → · Verify with FEMA NRI → · Verify with NOAA →
Every figure on PlainHazard is rendered directly from FEMA federal disaster data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or national statistics report, the data & editorial changelog, or report a data error.