Natural hazards · Shamrock

Shamrock, TX natural hazards

Most of the natural-hazard damage FEMA expects in Shamrock comes from drought, and overall the risk is high for a U.S. community. Flood insurance has paid 1 claim here since 2015.

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

Expected damage

How exposed is Shamrock?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Shamrock to be higher than in 70% of U.S. communities, mostly from drought and wildfires.

Drought31%Wildfire18%Tornadoes17%Inland flooding10%Strong wind8%Cold waves5%Everything else11%

By hazard

What Shamrock faces

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

Drought

31% of expected damage

Recorded about 66 times a year in the area

Wildfire

18% of expected damage

Well above average · higher than 98% of U.S. places

Tornadoes

17% of expected damage

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

Recorded about once every 4 years in the area

Inland flooding

10% of expected damage

Well below average · higher than 7% of U.S. places

Recorded about once every 2 years in the area

Strong wind

8% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about 3 times a year in the area

Cold waves

5% of expected damage

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

Recorded about 2 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesEarthquakesLandslidesLightning

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 Shamrock flood?

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

1paid claims since 2015

$30Kpaid to owners

0homes flooded more than once

20152026

of all homes
are insured

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

Insurance rates: Wheeler County.

What’s been done with FEMA grants

15storm safe rooms built

Disasters that hit Shamrock

Federal disasters declared here

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

Brought FEMA money into ShamrockDeclared for Wheeler County only

Wheeler County has had 10 natural disasters declared since 1953, most often fires 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. Shamrock 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 Shamrock’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Shamrock. 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.