Natural hazards · Shalimar

Shalimar, FL natural hazards

Most of the natural-hazard damage FEMA expects in Shalimar comes from hurricanes, and overall the risk is very high for a U.S. community. Flood insurance has paid 156 claims here since 1995. 6 federal disasters brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Shalimar?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Shalimar to be higher than in 85% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes67%Inland flooding16%Tornadoes8%Everything else10%

By hazard

What Shalimar faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Hurricanes

67% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about once every 4 years in the area

Inland flooding

16% of expected damage

Well below average · higher than 9% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

8% of expected damage

Above average · higher than 65% of U.S. places

Lower here

Coastal floodingHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

DroughtAvalanchesTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Shalimar flood?

Every paid claim on a federal flood insurance policy in Shalimar, from FEMA’s records.

156paid claims since 1995

$4.1Mpaid to owners

42homes flooded more than once

19952026

Biggest named events

Hurricane Opal: 75 claims, $1.4M
Hurricane Ivan: 69 claims, $2.2M
Hurricane Sally: 2 claims, $11K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

🏷️ 10% off flood insurance. Shalimar is in FEMA’s Community Rating System (class 8) for its flood-proofing work.

Insurance rates: Okaloosa County.

What’s been done with FEMA grants

1buildings retrofitted against wind

Disasters that hit Shalimar

6 federal disasters brought FEMA money here

Disasters the President declared that paid out in Shalimar itself: aid to households, or repair grants to the Town of Shalimar.

Brought FEMA money into ShalimarDeclared for Okaloosa County only

2020

Hurricane Sally

56 households applied for aid $25K aid approved

2018

Hurricane Michael

1 household applied for aid

2014

Severe Storms, Tornadoes, Straight-Line Winds, and Flooding

68 households applied for aid $139K aid approved $3K to the Town of Shalimar for repairs

2005

Hurricane Dennis

248 households applied for aid $123K aid approved $26K to the Town of Shalimar for repairs

2004

Hurricane Ivan

820 households applied for aid $583K aid approved $38K to the Town of Shalimar for repairs

2004

Hurricane Frances

1 household applied for aid

Okaloosa County has had 33 natural disasters declared since 1953, most often hurricanes and severe storms.

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Shalimar is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Shalimar’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Shalimar. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.