I think you missed my point. If the "normal operating conditions" are so well know that there is no chance of the water head being greater than 1.5 feet or that the unit weight of the clay will be less than you are using or that the thickness will be less then you only need a factor of safety of 1.0. However, since it is very unlikely that you know these things to that level of precision, then you need a factor of safety greater than 1.0.
I realize that your question is how much greater, but you and your client are the only ones that can answer that question. An appropriate factor of safety depends on many factors, including: risk aversion, consequence of failure, knowledge of the input parameters, exactness of the calculations, etc. As a profession, we have chosen to forget this in favor of a magic number that works all of the time.
Look over the above list, add to it, and talk to your client about the situation. Only then can you make a good professional judgment about what the factor of safety should be.