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 high for a U.S. community.

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

Expected damage

How exposed is Shelby?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Shelby to be higher than in 66% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding59%Tornadoes24%Strong wind8%Everything else9%

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

59% of expected damage

Well above average · higher than 80% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

24% of expected damage

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

Recorded about once every 12 years in the area

Strong wind

8% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about 5 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic 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: Jefferson County.

Disasters that hit Shelby

Federal disasters declared here

None of the disasters declared for Jefferson County shows FEMA aid or repair money reaching Shelby itself in FEMA’s records.

Brought FEMA money into ShelbyDeclared for Jefferson County only

Jefferson County has had 23 natural disasters declared since 1953, most often severe storms and floods.

Around Shelby

Shelby and the towns around it

Very lowLowModerateHighVery high

Shelbymostly inland floodingHigh

Miltonmostly inland floodingHigh

Monroemostly inland floodingModerate

Madisonmostly inland floodingModerate

Brownmostly inland floodingModerate

Pleasantmostly inland floodingModerate

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 the Township of 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.