Natural hazards · Shelbina

Shelbina, MO natural hazards

Most of the natural-hazard damage FEMA expects in Shelbina comes from heat waves, and overall the risk is moderate for a U.S. community. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Shelbina?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Shelbina to be higher than in 42% of U.S. communities, mostly from heat waves and inland flooding.

Heat waves28%Inland flooding26%Lightning18%Tornadoes12%Cold waves5%Everything else12%

By hazard

What Shelbina faces

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

Heat waves

28% of expected damage

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

Recorded about 9 times a year in the area

Inland flooding

26% of expected damage

Above average · higher than 54% of U.S. places

Recorded about once a year in the area

Lightning

18% of expected damage

Well above average · higher than 97% of U.S. places

Tornadoes

12% of expected damage

Well above average · higher than 82% of U.S. places

Recorded about once every 17 years in the area

Cold waves

5% of expected damage

Above average · higher than 63% of U.S. places

Recorded about 4 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireEarthquakesLandslidesStrong windDrought

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 Shelbina flood?

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

of homes in flood zones
are insured

of all homes
are insured

No community discount. Shelbina isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Shelby County.

Disasters that hit Shelbina

5 federal disasters brought FEMA money here

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

Brought FEMA money into ShelbinaDeclared for Shelby County only

2011

Severe Winter Storm and Snowstorm

$9K to the City of Shelbina for repairs

2010

Severe Storms, Flooding, and Tornadoes

$76K to the City of Shelbina for repairs

2008

Severe Storms and Flooding

$44K to the City of Shelbina for repairs

2003

Severe Storms, Tornadoes, and Flooding

9 households applied for aid

2002

Severe Winter Ice Storm

$107K to the City of Shelbina for repairs

Shelby County has had 24 natural disasters declared since 1953, most often severe storms and ice 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. Shelbina 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 Shelbina’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Shelbina. 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.