Clay County, Florida: hazard risk
FEMA rates Clay County's overall risk Relatively Moderate (score 81.1 of 100, higher than 81% of rated U.S. counties); 1 of its 14 hazards are rated Relatively High or Very High, led by lightning. Its storm record holds 664 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 |
|---|---|---|---|
| Lightning | Relatively High | 92.3 | $1.8M |
| Hurricane | Relatively Moderate | 89.8 | $9.3M |
| Riverine Flooding | Relatively Moderate | 85.9 | $35M |
| Tornado | Relatively Moderate | 83.2 | $6.0M |
| Heat Wave | Relatively Moderate | 82.5 | $2.2M |
| Wildfire | Relatively Low | 82.9 | $716K |
| Earthquake | Relatively Low | 64.6 | $764K |
| Coastal Flooding | Relatively Low | 57.0 | $464K |
| Strong Wind | Relatively Low | 32.2 | $406K |
| Landslide | Very Low | 27.4 | $316 |
| Drought | Very Low | 17.8 | $3K |
| Cold Wave | Very Low | 15.7 | $206K |
| Winter Weather | Very Low | 8.4 | $8K |
| Hail | Very Low | 5.9 | $21K |
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 | 301 | 1 | $773K | 7th of 67 | 487th of 3,080 |
| Hail | 120 | 0 | – | 7th of 67 | 1008th of 3,080 |
| Heavy rain | 88 | 0 | – | 4th of 67 | 62nd of 3,080 |
| Floods | 32 | 0 | $1.2M | 25th of 67 | 1600th of 3,080 |
| Tornadoes | 27 | 0 | $12M | 43rd of 67 | 975th of 3,080 |
| Lightning | 23 | 1 | $1.6M | 22nd of 67 | 184th of 3,080 |
| Hurricanes and tropical storms | 19 | 0 | – | 45th of 67 | 285th of 1,849 |
| Wildfires | 16 | 0 | $1.0M | 5th of 67 | 94th of 2,972 |
| Drought | 13 | 0 | $47K | 30th of 67 | 1869th of 3,063 |
| High wind and dust storms | 7 | 0 | $26K | 21st of 67 | 2565th of 3,080 |
| Winter storms | 5 | 0 | – | 5th of 67 | 2911th of 3,077 |
| Rip currents and high surf | 1 | 0 | – | 27th of 67 | 193rd of 2,080 |
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.