Shelby County, Missouri: hazard risk
FEMA rates Shelby County's overall risk Very Low (score 15.9 of 100, higher than 15% of rated U.S. counties); 1 of its 14 hazards are rated Relatively High or Very High, led by lightning. Its storm record holds 313 events since 1950.
FEMA's rating for each hazard
These are FEMA's county-wide model ratings and this county's storm record. They are not an assessment of any property, address or building, and not insurance advice: a property's risk depends on its own elevation, construction and location.
FEMA gives each hazard its own rating, and a rating does not follow the score from one hazard to the next: a hazard with a higher score can carry a lower rating than another. The table sorts by FEMA's rating, then by score (0 to 100, the county against every other county for that hazard).
| Hazard | Risk rating | Score | Expected annual loss |
|---|---|---|---|
| Lightning | Relatively High | 86.0 | $1.0M |
| Heat Wave | Relatively Moderate | 79.8 | $1.6M |
| Drought | Relatively Low | 60.9 | $319K |
| Tornado | Relatively Low | 37.2 | $806K |
| Hail | Relatively Low | 36.2 | $164K |
| Winter Weather | Relatively Low | 26.5 | $27K |
| Cold Wave | Relatively Low | 25.7 | $361K |
| Strong Wind | Relatively Low | 24.7 | $249K |
| Earthquake | Very Low | 39.5 | $158K |
| Landslide | Very Low | 37.1 | $571 |
| Wildfire | Very Low | 20.8 | $8K |
| Riverine Flooding | Very Low | 14.6 | $1.9M |
| Hurricane | Very Low | 14.1 | $4K |
| Ice Storm | Very Low | 14.0 | $9K |
Source: FEMA National Risk Index, December 2025 release. A model of future loss, not a count of past events. FEMA's National Risk Index map.
What the record holds
| Hazard | Records | Deaths | Damage | Rank in state | Rank in U.S. |
|---|---|---|---|---|---|
| Severe thunderstorm wind | 82 | 0 | $41K | 89th of 114 | 2049th of 3,080 |
| Hail | 60 | 0 | – | 108th of 114 | 1795th of 3,080 |
| Winter storms | 51 | 0 | – | 43rd of 114 | 1501st of 3,077 |
| Heat | 41 | 0 | – | 30th of 114 | 351st of 3,076 |
| Floods | 29 | 0 | $1K | 82nd of 114 | 1377th of 3,080 |
| Tornadoes | 21 | 0 | $15M | 52nd of 114 | 1349th of 3,080 |
| High wind and dust storms | 9 | 0 | $4K | 18th of 114 | 1896th of 3,080 |
| Drought | 7 | 0 | – | 94th of 114 | 1841st of 3,063 |
| Extreme cold | 7 | 0 | – | 73rd of 114 | 1484th of 3,076 |
| Lightning | 5 | 2 | $233K | 12th of 114 | 721st of 3,080 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Shelby County record: every hazard by year and month, the deadliest events and FEMA's declarations.