Shelby County, Texas: hazard risk
FEMA rates Shelby County's overall risk Relatively Low (score 55.7 of 100, higher than 55% of rated U.S. counties); 1 of its 14 hazards are rated Relatively High or Very High, led by strong wind. Its storm record holds 665 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 |
|---|---|---|---|
| Strong Wind | Relatively High | 92.7 | $1.7M |
| Hurricane | Relatively Moderate | 83.2 | $2.1M |
| Ice Storm | Relatively Moderate | 79.5 | $271K |
| Tornado | Relatively Moderate | 75.1 | $2.2M |
| Drought | Relatively Moderate | 66.8 | $298K |
| Lightning | Relatively Moderate | 63.4 | $266K |
| Heat Wave | Relatively Low | 76.8 | $885K |
| Wildfire | Relatively Low | 70.5 | $125K |
| Winter Weather | Relatively Low | 56.4 | $56K |
| Cold Wave | Relatively Low | 53.0 | $741K |
| Riverine Flooding | Relatively Low | 45.1 | $4.0M |
| Hail | Relatively Low | 43.9 | $145K |
| Landslide | Very Low | 53.0 | $1K |
| Earthquake | Very Low | 48.0 | $172K |
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 | 224 | 0 | $15M | 39th of 254 | 1392nd of 3,080 |
| Hail | 167 | 0 | $10K | 112th of 254 | 1077th of 3,080 |
| Heat | 84 | 0 | – | 23rd of 254 | 271st of 3,076 |
| Floods | 55 | 1 | $109K | 102nd of 254 | 1530th of 3,080 |
| Drought | 46 | 0 | – | 175th of 254 | 801st of 3,063 |
| Tornadoes | 45 | 3 | $22M | 80th of 254 | 898th of 3,080 |
| Winter storms | 25 | 0 | $33K | 122nd of 254 | 2508th of 3,077 |
| Lightning | 10 | 0 | $511K | 26th of 254 | 717th of 3,080 |
| Extreme cold | 6 | 0 | $102K | 107th of 254 | 2021st of 3,076 |
| Hurricanes and tropical storms | 2 | 0 | $548K | 55th of 254 | 870th of 1,849 |
| Heavy rain | 1 | 0 | – | 131st of 254 | 2150th 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.