Clay County, Georgia: hazard risk
FEMA rates Clay County's overall risk Very Low (score 8.5 of 100, higher than 8% of rated U.S. counties). Its storm record holds 151 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 |
|---|---|---|---|
| Drought | Relatively Moderate | 76.0 | $405K |
| Hurricane | Relatively Low | 71.8 | $393K |
| Cold Wave | Relatively Low | 42.7 | $405K |
| Tornado | Relatively Low | 32.9 | $337K |
| Wildfire | Very Low | 36.8 | $12K |
| Landslide | Very Low | 26.3 | $124 |
| Earthquake | Very Low | 22.4 | $19K |
| Heat Wave | Very Low | 18.8 | $31K |
| Lightning | Very Low | 16.6 | $32K |
| Hail | Very Low | 10.7 | $19K |
| Riverine Flooding | Very Low | 9.1 | $685K |
| Strong Wind | Very Low | 8.5 | $34K |
| Ice Storm | Very Low | 5.4 | $1K |
| Winter Weather | Very Low | 3.2 | $1K |
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 | 70 | 0 | $11M | 89th of 159 | 867th of 3,080 |
| Drought | 45 | 0 | – | 9th of 159 | 23rd of 3,063 |
| Tornadoes | 10 | 1 | $26M | 36th of 159 | 563rd of 3,080 |
| Hurricanes and tropical storms | 9 | 0 | $1.5M | 63rd of 159 | 126th of 1,849 |
| Winter storms | 7 | 0 | $64K | 84th of 159 | 2519th of 3,077 |
| Extreme cold | 3 | 0 | $9.5M | 106th of 159 | 1374th of 3,076 |
| Heat | 3 | 0 | – | 105th of 159 | 1150th of 3,076 |
| Hail | 2 | 0 | – | 159th of 159 | 2825th of 3,080 |
| Floods | 1 | 0 | $362K | 159th of 159 | 2910th of 3,080 |
| High wind and dust storms | 1 | 0 | $1K | 120th of 159 | 2659th 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.