Clay County, Alabama: hazard risk
FEMA rates Clay County's overall risk Very Low (score 26.7 of 100, higher than 26% of rated U.S. counties). Its storm record holds 349 events since 1950.
FEMA's rating for each hazard
These are FEMA's county-wide model ratings and this county's storm record. They are not an assessment of any property, address or building, and not insurance advice: a property's risk depends on its own elevation, construction and location.
FEMA gives each hazard its own rating, and a rating does not follow the score from one hazard to the next: a hazard with a higher score can carry a lower rating than another. The table sorts by FEMA's rating, then by score (0 to 100, the county against every other county for that hazard).
| Hazard | Risk rating | Score | Expected annual loss |
|---|---|---|---|
| Tornado | Relatively Moderate | 67.2 | $1.5M |
| Wildfire | Relatively Low | 71.1 | $125K |
| Hurricane | Relatively Low | 67.5 | $315K |
| Cold Wave | Relatively Low | 45.9 | $544K |
| Heat Wave | Relatively Low | 39.9 | $154K |
| Riverine Flooding | Relatively Low | 35.3 | $2.8M |
| Lightning | Relatively Low | 29.6 | $71K |
| Strong Wind | Relatively Low | 21.2 | $129K |
| Landslide | Very Low | 61.0 | $2K |
| Earthquake | Very Low | 49.9 | $184K |
| Drought | Very Low | 30.3 | $18K |
| Hail | Very Low | 25.2 | $63K |
| Ice Storm | Very Low | 20.0 | $11K |
| Winter Weather | Very Low | 5.2 | $3K |
Source: FEMA National Risk Index, December 2025 release. A model of future loss, not a count of past events. FEMA's National Risk Index map.
What the record holds
| Hazard | Records | Deaths | Damage | Rank in state | Rank in U.S. |
|---|---|---|---|---|---|
| Severe thunderstorm wind | 138 | 0 | $754K | 40th of 67 | 1511th of 3,080 |
| Drought | 62 | 0 | – | 5th of 67 | 291st of 3,063 |
| Hail | 57 | 0 | $194K | 40th of 67 | 2064th of 3,080 |
| Tornadoes | 25 | 7 | $172M | 49th of 67 | 1139th of 3,080 |
| Floods | 21 | 1 | $1.5M | 38th of 67 | 1976th of 3,080 |
| Winter storms | 16 | 0 | $202K | 25th of 67 | 2586th of 3,077 |
| Hurricanes and tropical storms | 7 | 0 | $107K | 12th of 67 | 440th of 1,849 |
| Extreme cold | 6 | 0 | $1.9M | 23rd of 67 | 1771st of 3,076 |
| Heat | 5 | 0 | – | 52nd of 67 | 1599th of 3,076 |
| High wind and dust storms | 5 | 0 | $509K | 42nd of 67 | 2456th of 3,080 |
| Lightning | 5 | 0 | $247K | 33rd of 67 | 844th of 3,080 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Clay County record: every hazard by year and month, the deadliest events and FEMA's declarations.