Clay County, Tennessee: hazard risk
FEMA rates Clay County's overall risk Very Low (score 13.3 of 100, higher than 13% of rated U.S. counties). Its storm record holds 270 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 |
|---|---|---|---|
| Hail | Relatively Low | 46.9 | $178K |
| Tornado | Relatively Low | 38.5 | $613K |
| Strong Wind | Relatively Low | 37.2 | $289K |
| Winter Weather | Relatively Low | 36.7 | $30K |
| Cold Wave | Relatively Low | 35.0 | $406K |
| Ice Storm | Relatively Low | 31.9 | $28K |
| Landslide | Very Low | 61.4 | $2K |
| Earthquake | Very Low | 44.2 | $151K |
| Hurricane | Very Low | 35.4 | $17K |
| Riverine Flooding | Very Low | 27.7 | $2.5M |
| Drought | Very Low | 26.3 | $12K |
| Lightning | Very Low | 20.5 | $54K |
| Heat Wave | Very Low | 17.2 | $35K |
| Wildfire | Very Low | 4.1 | $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 | 123 | 0 | $987K | 31st of 95 | 382nd of 3,080 |
| Winter storms | 58 | 0 | $143K | 9th of 95 | 516th of 3,077 |
| Hail | 34 | 0 | $15K | 50th of 95 | 1582nd of 3,080 |
| Floods | 25 | 0 | $1.0M | 25th of 95 | 666th of 3,080 |
| Drought | 20 | 0 | – | 21st of 95 | 444th of 3,063 |
| Lightning | 4 | 0 | $32K | 19th of 95 | 438th of 3,080 |
| Tornadoes | 3 | 0 | $618K | 81st of 95 | 2314th of 3,080 |
| High wind and dust storms | 2 | 0 | $71K | 84th of 95 | 2447th of 3,080 |
| Extreme cold | 1 | 0 | – | 34th of 95 | 2377th of 3,076 |
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.