FEMA Records
16
Below median
Minnesota · FEMA + NOAA + National Risk Index
Clearwater County, MN
16 FEMA disaster declarations (1974-2022), with a FEMA National Risk Index rating of Very Low. Most common hazard: Flood.
- 16
- FEMA declarations
- 13
- Major disasters
- 4
- NRI risk · Very Low
- Flood
- Top hazard
The verdict
Clearwater County has a nationally busy FEMA history: 16 declarations, more than 27% of counties in this registry. But the state comparison tempers that reading: the total is 10% below the Minnesota county mean. FEMA's separate National Risk Index places the county safer than 4%; that score models loss and vulnerability rather than counting declarations.
- Safer than 4%
- of U.S. counties for FEMA National Risk Index score
- Very Low
- FEMA National Risk Index rating
- 16
- FEMA declarations vs 21 national county avg
- 15
- 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.
FEMA OpenFEMA declaration desk
County FIPS 27029 · Clearwater County 16 declarations · rank 2256/3,266
DECL-MID · MAJOR-HEAVY · RANK-LOWER · PHOTO-FINISH · NRI-LOW · ACT-HIGH · TYPE-LEAD · VS-ST-BELOW
- DECL-MID 16
- MAJOR-HEAVY 81%
- RANK-LOWER #2,256
- PHOTO-FINISH Greene
- NRI-LOW Very Low
- ACT-HIGH High
- TYPE-LEAD Flood
- VS-ST-BELOW -10%
Nearest declaration peer: Greene, GA (0 declaration gap)
FEMA Disaster Declarations Summaries v2 filing stamps for this county register. Read with this county → · Minnesota state profile
Clearwater County among counties with fewer federal records
FEMA declaration records among Clearwater County and nearest peers by total count
- Los Angeles · largest
Los Angeles · largest
88 declarations
- Clearwater · this county 16
Clearwater · this county
16 declarations
- Frontier · near 16
Frontier · near
16 declarations
- Greene · near 16
Greene · near
16 declarations
- Terrell · near 16
Terrell · near
16 declarations
- Ujelang · smallest 1
Ujelang · smallest
1 declarations
What this shows Clearwater County carries 16 FEMA declaration records, ranked 2256 of 3,266 counties in this registry.
Clearwater County versus quieter counties in this dataset
Clearwater County among lower-declaration counties nationally
FEMA disaster declarations, all-time · Clearwater County
16 27th percentile higher than 27% 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 · 2026-08-25
Clearwater County's FEMA Risk Index score
Which hazard drives modeled loss here?
FEMA's modeled annual dollar loss for Clearwater County is led by Riverine Flooding (about $1.5M Expected Annual Loss, Historical Loss Ratio Relatively High), while Wildfire carries the highest National Risk Index rating (Relatively Low). 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 Clearwater County's hazard record show?
FEMA National Risk Index
This county sits at the very bottom of FEMA's National Risk Index nationally, a composite score of 4.2/100 (rated Very Low). Projected losses are minimal, Expected Annual Loss reads Very Low (roughly $3.1M in annualized losses), and the county's exposure is shaped by a Relatively Low social-vulnerability profile and Relatively Moderate community resilience. Even the county's top-rated hazard, Wildfire, only reaches Relatively Low on FEMA's scale, none of the 18 modeled hazards stand out here. FEMA's modeled frequency puts that hazard at roughly once every 365 years here.
Reading the federal records together
This county has a small entry in FEMA's NFIP paid-claims table: 15 claims and $234.5K paid in total. PlainHazard calls 1-49 claims a light registry record, a label for this dataset rather than a finding that flood exposure is low. A short claims history can also reflect insurance take-up, the period covered, or losses that were never insured.
Start with the state benchmark: a Minnesota county averages 17.7 federal declaration records, while Clearwater County has 16. The gap is 10% below that mean. Fewer entries indicate a quieter history of recorded federal actions, not immunity from a hazard and not a prediction about what happens next.
56 /100
Historical Activity Index
High historical activity
Clearwater 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) Moderate
12/30
16 OpenFEMA declarations, full ingest window (0.8x national county average)
County Disaster Density Moderate
11/25
16 declarations (0.9x state county average of 18)
Major Disaster Share Very High
20/25
13 of 16 declarations are major disasters (81%)
Hazard Diversity High
13/20
5 different disaster types declared in Clearwater County
FEMA NRI 8-hazard radar - Clearwater 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
81%
Mostly major
NRI risk score
4
Very Low
Source: FEMA National Risk Index Per-county per-hazard ratings, December 2025 release
How often does each hazard strike Clearwater 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 |
|---|---|---|
| Wildfire | Relatively Low | roughly once every 365 years |
| Drought | Relatively Low | 20 modeled event-days per year |
| Landslide | Very Low | roughly once every 4 years |
| Winter Weather | Relatively Low | an average of 18 times per year |
| Cold Wave | Relatively Low | an average of 18 times per year |
| Hail | Very Low | an average of 2.9 times per year |
| Tornado | Very Low | roughly once every 2 years |
| Strong Wind | Very Low | an average of 1.5 times per year |
| Heat Wave | Very Low | 0.7 modeled event-days per year |
| Riverine Flooding | Very Low | roughly once every 2 years |
| Lightning | Very Low | an average of 27 times per year |
| Ice Storm | Very Low | roughly once every 26 years |
| Earthquake | Very Low | roughly once every 12,048 years |
Source: FEMA National Risk Index Modeled annualized frequency; drought and heat wave use event-days/year, December 2025 release
Disaster Types
Flood 6
Severe Storm 6
Biological 2
Hurricane 1
Drought 1
What Flood declarations mean here
Flood is the most frequent declaration type on Clearwater County's record, 38% 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 - 13 81.3%
of all 16 declarations
Emergency - 3 18.8%
of all 16 declarations
FEMA Declarations Timeline
| Year | Declarations | |
|---|---|---|
| 2022 | 1 | |
| 2020 | 2 | |
| 2018 | 1 | |
| 2009 | 1 | |
| 2005 | 1 | |
| 2002 | 1 | |
| 2001 | 1 | |
| 2000 | 1 | |
| 1997 | 2 | |
| 1996 | 1 | |
| 1995 | 1 | |
| 1978 | 1 | |
| 1976 | 1 | |
| 1974 | 1 | |
Disaster Declarations
How the 16 FEMA declarations break into federal action codes (DR / EM / FM). Same DISTINCT grain as the table below.
Download these 16 declarations as CSV . FEMA source data is public domain; our derived presentation is CC0.
| DR# | Title | Type | Incident | Date |
|---|---|---|---|---|
| 4659 | SEVERE STORMS, STRAIGHT-LINE WINDS, AND FLOODING | DR | Flood | 2022-07-13 |
| 4531 | COVID-19 PANDEMIC | DR | Biological | 2020-04-07 |
| 3453 | COVID-19 | EM | Biological | 2020-03-13 |
| 4390 | SEVERE STORMS, TORNADOES, STRAIGHT-LINE WINDS, AND FLOODING | DR | Flood | 2018-09-05 |
| 1830 | SEVERE STORMS AND FLOODING | DR | Severe Storm | 2009-04-09 |
| 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 |
| 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 |
| 560 | SEVERE STORMS, FLOODING, HAIL & TORNADOES | DR | Severe Storm | 1978-07-08 |
| 3013 | DROUGHT | EM | Drought | 1976-06-17 |
| 440 | HEAVY RAINS & FLOODING | DR | Flood | 1974-06-10 |
Storm Events in Minnesota
Statewide NOAA context only. PlainHazard does not currently attribute these state totals to Clearwater 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
15
Total Paid
$234.5K
Avg Per Claim
$15.6K
Source: FEMA National Flood Insurance Program (NFIP) OpenFEMA Claims Data
FEMA National Risk Index
Overall Risk
Very Low
Score: 4.2/100
Expected Annual Loss
Very Low
$3.1M/year
Social Vulnerability
Relatively Low
Community Resilience
Relatively Moderate
Hazard Risk Breakdown
Wildfire Relatively Low
Drought Relatively Low
Landslide Very Low
Winter Weather Relatively Low
Cold Wave Relatively Low
Hail Very Low
Tornado Very Low
Strong Wind Very Low
Heat Wave Very Low
Riverine Flooding Very Low
Lightning Very Low
Ice Storm Very 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: Wildfire
Wildfire risk in the model reflects fuel, terrain, weather and how much development sits in the wildland-urban interface. It is one of the few hazards where the exposure is materially changed by land management and building choices, not only by where the county happens to be.
Worth noting for Clearwater County: the model and the federal record do NOT point at the same hazard. Wildfire carries the highest modeled rating (Relatively Low), 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
Clearwater County's closest FEMA peer: Madison County, IL
Comparisons use published FEMA declaration fields plus the National Risk Index composite for Clearwater County. Record similarity, not a safety rating.
Closest declaration profiles
Clearwater County shows 16 FEMA declarations, led by Flood.
Similar Major-disaster share
Clearwater County: 13 of 16 of its declarations are Major.
Similar modeled NRI score
Clearwater County: NRI composite 4.2 (Very 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 Clearwater County - capture-dated entries only.
Compare beyond this state
Nationwide peers by NRI score & FEMA declaration volume
Two PlainHazard-derived comparison paths for Clearwater County: nearest out-of-state National Risk Index composite and nearest FEMA declaration count (floor ≥5 records). Record similarity only, not a forecast of the next hazard.
Similar NRI composite
Nearest out-of-state counties by FEMA NRI score. This county: 4.2 (Very Low).
Similar declaration volume
Nearest out-of-state counties by FEMA declaration count. This county: 16. NRI peers are excluded so the two link sets stay distinct.
Further reading for this county
Most disaster-prone counties
With 16 FEMA declarations, Clearwater County sits in the high-volume declaration band - see how that count ranks against other U.S. counties.
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).
Frequently Asked Questions
What is the most common disaster type in Clearwater County?
The most common disaster type in Clearwater County is Flood, with 6 declarations. Other disaster types include Severe Storm (6), Biological (2), Hurricane (1).
How does Clearwater County's FEMA declaration record compare with the Minnesota average?
The typical Minnesota county has 17.7 FEMA declaration records; Clearwater County has 16, or 10% fewer. Against the national county mean of 20.7, this county's total is 23% lower. The comparison is historical and says nothing about the probability of a future event.
How many major FEMA disaster declarations has Clearwater County received?
Clearwater County has received 13 major disaster declarations, representing 81% of all 16 disaster declarations.
How many flood insurance claims has Clearwater County filed?
Clearwater County has 15 National Flood Insurance Program (NFIP) claims totaling $234.5K in payments, with an average of $15.6K per claim.
Does FEMA's top risk-rated hazard match the highest Expected Annual Loss in Clearwater County?
No. In Clearwater County, Wildfire has the highest National Risk Index rating (Relatively Low), while Riverine Flooding leads Expected Annual Loss at about $1.5M. FEMA's risk score and dollar-loss model use different inputs, so the leaders often differ.
What was the worst year for disasters in Clearwater County?
The most active year for disaster declarations in Clearwater County was 1997, with 2 declarations. The county has FEMA disaster data spanning 1974 to 2022.
What is the FEMA National Risk Index score for Clearwater County?
According to the FEMA National Risk Index, Clearwater County, Minnesota has an overall risk score of 4.2 out of 100 (Very Low). Social vulnerability here rates Relatively Low, while community resilience comes in at Relatively Moderate. The Expected Annual Loss (EAL) score is Very Low, representing $3.1M in annualized losses.
Which natural hazard poses the greatest risk to Clearwater County?
FEMA's NRI data points to Clearwater County as of the latest release is Wildfire (risk rating: Relatively Low). Other significant hazards include Drought (Relatively Low) and Landslide (Very Low). FEMA's modeled event frequency puts wildfire here at roughly once every 365 years. The underlying methodology weighs historical event frequency against exposed assets and community vulnerability.
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.
FEMA OpenFEMA declarations + NRI for Clearwater County · vintage 2026-08-25 · Methodology · Minnesota profile · Verify with FEMA OpenFEMA · Verify with NOAA Storm Events