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Natural hazards · Shelby

Shelby, IN natural hazards

Most of the natural-hazard damage FEMA expects in Shelby comes from inland flooding, and overall the risk is low for a U.S. community. 3 federal disasters brought FEMA money into town.

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

How exposed is Shelby?

34
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Shelby to be higher than in 34% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding48%Cold waves24%Tornadoes21%Everything else7%
By hazard

What Shelby faces

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

Inland flooding

48% of expected damage
Above average · higher than 55% of U.S. places
Recorded about 2 times a year in the area

Cold waves

24% of expected damage
Well below average · higher than 18% of U.S. places
Recorded about 4 times a year in the area

Tornadoes

21% of expected damage
Well above average · higher than 83% of U.S. places
Recorded about once every 25 years in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Shelby flood?

FEMA's records show no paid flood insurance claims in Shelby.

of homes in flood zones
are insured
of all homes
are insured
No community discount. Shelby isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Lake County.
Disasters that hit Shelby

3 federal disasters brought FEMA money here

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

Brought FEMA money into ShelbyDeclared for Lake County only
2026

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

1 household applied for aid
2018

Severe Storms and Flooding

3 households applied for aid $3K aid approved
2008

Severe Storms and Flooding

1 household applied for aid $2K aid approved
Lake County has had 19 natural disasters declared since 1953, most often severe storms and winter storms.
Around Shelby

Shelby and the towns around it

Cedar Creek: Low, mostly inland floodingLincoln: Very low, mostly inland floodingEagle Creek: Low, mostly inland floodingWest Creek: Low, mostly inland floodingCenter: Low, mostly inland floodingCedar Lake: Very low, mostly inland floodingLake: Low, mostly inland floodingLake Dalecarlia: Low, mostly inland floodingSumava Resorts: Low, mostly inland floodingColfax: Very low, mostly inland floodingKeener: Low, mostly inland floodingMcClellan: Very low, mostly inland floodingBoone: Low, mostly inland floodingWinfield: Low, mostly inland floodingShelby: Low, mostly inland flooding ShelbyCedar CreekLincolnEagle Creek
Very lowLowModerateHighVery high
Shelbymostly inland floodingLow
Eagle Creekmostly inland floodingLow
Cedar Creekmostly inland floodingLow
Lincolnmostly inland floodingVery low
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. Shelby 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 Shelby’s own flood-insurance community; household aid to the registrant’s city; repair grants to Shelby. 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/19 · 2025-01-01
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