Clay County, West Virginia: hazard risk
FEMA rates Clay County's overall risk Very Low (score 22.3 of 100, higher than 22% of rated U.S. counties). Its storm record holds 354 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 |
|---|---|---|---|
| Landslide | Relatively Moderate | 92.7 | $49K |
| Avalanche | Relatively Low | 67.3 | $2K |
| Riverine Flooding | Relatively Low | 53.5 | $4.4M |
| Lightning | Relatively Low | 30.6 | $66K |
| Hurricane | Very Low | 28.5 | $8K |
| Wildfire | Very Low | 28.0 | $8K |
| Earthquake | Very Low | 25.8 | $29K |
| Drought | Very Low | 22.9 | $5K |
| Heat Wave | Very Low | 22.4 | $45K |
| Winter Weather | Very Low | 20.2 | $11K |
| Ice Storm | Very Low | 12.7 | $4K |
| Hail | Very Low | 10.9 | $21K |
| Strong Wind | Very Low | 10.1 | $44K |
| Cold Wave | Very Low | 6.2 | $19K |
| Tornado | Very Low | 5.8 | $15K |
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 | 90 | 0 | $1.6M | 32nd of 53 | 1479th of 3,080 |
| Winter storms | 72 | 0 | $1.1M | 27th of 53 | 657th of 3,077 |
| Floods | 51 | 0 | $25M | 28th of 53 | 459th of 3,080 |
| Extreme cold | 30 | 0 | $81K | 19th of 53 | 202nd of 3,076 |
| Hail | 30 | 0 | $8K | 35th of 53 | 2089th of 3,080 |
| High wind and dust storms | 26 | 0 | $123K | 20th of 53 | 510th of 3,080 |
| Drought | 20 | 0 | – | 10th of 53 | 794th of 3,063 |
| Heat | 20 | 0 | – | 13th of 53 | 461st of 3,076 |
| Heavy rain | 13 | 0 | $5K | 6th of 53 | 229th of 3,080 |
| Wildfires | 1 | 0 | – | 9th of 53 | 712th of 2,972 |
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.