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Risk: Very Low

Shelby County, MO Environment & Hazard Risk

Very Low natural hazard risk, led by lightning. 263 storm events since 1996.

Expected yearly loss
$6.62M
Very Low nationally
Storm events since 1996
263
Most often thunderstorm wind
Flood insurance policies
1
0.0% of homes
Hurricanes nearby
0
Since 1851

Natural hazard risk

FEMA National Risk Index, December 2025

Overall risk

Very Low

Score 15.9 of 100

Social vulnerability

Relatively Low

Score 31.5 of 100

Community resilience

Relatively High

Score 76.4 of 100

Community resilience runs the other way: a higher rating means a community can recover faster.

Building value exposed: $2.06B · Agriculture value exposed: $136M · Risk-adjusted yearly loss: $6.5M

Risk by hazard

  • LightningRelatively High$1.04M/yr expected annual loss, about 47 events a year
  • Heat waveRelatively Moderate$1.6M/yr expected annual loss, about 8.8 events a year
  • DroughtRelatively Low$319K/yr expected annual loss, about 7.3 events a year
  • EarthquakeVery Low$158K/yr expected annual loss, about once every 587 years
  • TornadoRelatively Low$806K/yr expected annual loss, about once every 4 years
  • LandslideVery Low$571/yr expected annual loss, about once every 8 years
  • HailRelatively Low$164K/yr expected annual loss, about 3.4 events a year
  • Winter weatherRelatively Low$26.89K/yr expected annual loss, about 10 events a year
  • Cold waveRelatively Low$361K/yr expected annual loss, about 4.2 events a year
  • Strong windRelatively Low$249K/yr expected annual loss, about 3.5 events a year
  • WildfireVery Low$8,491/yr expected annual loss, about once every 1,584 years
  • HurricaneVery Low$3,598/yr expected annual loss, about once every 100 years
  • Ice stormVery Low$8,954/yr expected annual loss, about once every 2 years

Bars show the national percentile score (0 to 100) for each hazard. Dollar figures are expected annual losses to buildings, people and crops. Not rated here: avalanche, coastal flooding, riverine flooding, tsunami, volcanic activity.

Flood risk and insurance

National Flood Insurance Program and FEMA flood maps

Check the flood zone for an address

Homes with flood insurance
1 of 4,116 (0.0%)
Homes in high-risk flood zones
28
Insured in high-risk zones
1 (4%)
Flood claims since 1978
2
Claims paid since 1978
$80.57K

Flood claims paid per year

Flood claims paid per year in Shelby County

Storm history

Since 1996: 263 events, 2 deaths, $367K in damage

  • Thunderstorm Wind54
  • Hail47
  • Winter Storm31
  • Flash Flood25
  • Excessive Heat22
  • Heat19
  • Tornado12
  • Heavy Snow9
  • Drought7
  • High Wind7

Events per year

Storm events per year in Shelby County
13
17
8
17
17
10
6
9
6
9
6
2
9
6
5
7
6
8
1

21 tornadoes on record (EF0 3, EF1 6, F0 3, F1 5, F2 1, F3 1, F4 1).

Most damaging storms

Since 1996, ranked by deaths, injuries and damage

  • Lightning10/17/2005

    Hunnewell, Shelby County

    2 deaths, 1 injured

    What happened

    Two men were killed and one injured by a lightning strike west of Hunnewell. The 3 men were doing road work near the bridge over the North Fork of the Salt River when the storm approached. They took shelter in a nearby shed, and when the storm appeared to let up, they headed for their vehicle. They were struck within a few feet of the vehicle. The men who died were killed instantly.

  • Flash Flood05/12/2002

    Countywide, Shelby County

    2 injured

    What happened

    Rainfall estimated as high as 6 inches caused widespread flash flooding across the area. Numerous roads became impassable as nearly every creek and small stream flooded. Two men suffered minor injuries near Hurdland in Knox County when they drove their truck into a flooded road. Another man had to be rescued after he was swept down a slough along Route K near Colony. Near Newark, 2 men drove into high water, abandoned their vehicle, but did not notify any official source. The 2 were issued summonses for not reporting the incident, as rescue attempts were made on the submerged vehicle. In Edina, the Farm & Home store was flooded with virtually the entire inventory destroyed. In Knox County, Routes 11 and 151, and County Roads C, J, F, V, K, M, TT were all closed. In Shelby County, Highways 151, N and K were all closed.

  • TornadoEF1, 18.47 mi path, 150 yd wide03/07/2017

    Maud, Shelby County

    1 injured

    What happened

    Tornado touched down on County Road 503, just south of the intersection with Highway Y. A barn was destroyed in this location with the damage rated EF1. The tornado tracked to the northeast causing scattered tree and building damage. As the tornado crossed County Road 426, just west of the intersection with Highway A, it destroyed a farm outbuilding. The tornado then crossed U.S. Highway 36 and hit the South Shelby High School. The school suffered minor roof damage, a couple of storage buildings were destroyed, and the baseball field backstop was destroyed. The press box was blown off the football field bleachers and destroyed. One home just northeast of the high school had a portion of its roof blown off. Intermittent tree and farm outbuilding damage continued until about 5.2 miles northeast of Shelbina. One injury occurred. A man was cut on the forehead by flying debris and required stitches. Overall, the tornado was rated EF1 with a path length of 18.47 miles and max path width of 150 yards.

  • Heat07/18/1999

    Shelby

    1 injured

    What happened

    A heat wave gripped the area for the last 2 weeks of July. Temperatures stayed in the middle to upper 90s with a few days topping 100. Columbia set a record high with 104 degrees on 7/29/99. St. Louis tied a record with 103 degrees on 7/30/99. The Heat Index generally ranged from 105 to near 115. Most of the deaths and injuries occurred in the St. Louis Metropolitan Area.

  • TornadoEF1, 3.07 mi path, 100 yd wide08/10/2025

    Leonard, Shelby County

    $105K damage

  • Lightning06/04/2008

    Shelbyville, Shelby County

    $100K damage

Latest storm reports

Newest first

  • Flash Flood06/11/2026

    Bethel, Shelby County

  • Winter Storm11/29/2025

    Shelby

  • Thunderstorm Wind50 kt wind08/10/2025

    Bethel, Shelby County

  • TornadoEF1, 3.07 mi path, 100 yd wide08/10/2025

    Leonard, Shelby County

    $105K damage

  • TornadoEF1, 0.36 mi path, 75 yd wide08/10/2025

    Leonard, Shelby County

    $90K damage

  • Thunderstorm Wind60 kt wind08/10/2025

    Leonard, Shelby County

  • High Wind51 kt wind03/05/2025

    Shelby

  • Cold/Wind Chill01/21/2025

    Shelby

Drinking water

5 community water systems serve about 6,607 people. Violations since 2021.

1 system had health-based violations, such as a contaminant over the legal limit or a missed treatment step. 1 system had a violation of any kind still open at last report.

  • Shelby County Pwsd 1Serves 3,300 · Purchased surface water · Local governmentNo health violations
  • Shelbina PwsServes 1,771 · Surface water · Local governmentNo health violations
  • Clarence PwsServes 800 · Purchased surface water · Local governmentNo health violations+1 monitoring or reporting
  • ShelbyvilleServes 552 · Purchased surface water · Local governmentNo health violations
  • Hunnewell PwsServes 184 · Purchased surface water · Local government5 health violations+8 monitoring or reporting

Largest systems by population served. Monitoring and reporting violations mean required tests or notices were late or missing, not that the water was unsafe.

Climate

1991-2020 normals at Shelbina, 7.2 mi from the county center

Summer highs peak around 87°F in Jul and winter lows bottom out near 17°F in Jan. About 42.1 inches of rain falls in a typical year, with 15.9 inches of snow.

MonthHighLowRainSnow
Jan36°F17°F1.77 in5.7 in
Feb41°F21°F2.06 in3.9 in
Mar53°F31°F2.88 in1.7 in
Apr64°F41°F4.25 in0.3 in
May74°F52°F5.26 in-
Jun83°F62°F5.29 in-
Jul87°F66°F4.53 in-
Aug85°F63°F4.22 in-
Sep79°F54°F3.90 in-
Oct67°F43°F3.29 in-
Nov52°F31°F2.64 in0.9 in
Dec40°F23°F1.99 in3.4 in
Year53°F average42.1 in15.9 in

Pollution sites

0 Superfund sites and 1 toxic release facility in Shelby County

Superfund sites

None in this county.

Toxic release facilities

Total: 12.5 lbs in 2024, 0 lbs to air.

Superfund sitesToxic release facilitiesEPA inspections and enforcementAir toxics cancer risk2 historic places

Frequently asked questions

How risky is Shelby County for natural disasters?
FEMA rates Shelby County very low for overall natural hazard risk, with expected losses of $6.62M a year. The highest-rated hazards are lightning (relatively high), heat wave (relatively moderate), drought (relatively low).
What storms are most common in Shelby County?
Since 1996, NOAA recorded 263 storm events affecting Shelby County, most often thunderstorm wind (54), hail (47), winter storm (31).
How many tornadoes have hit Shelby County?
21 tornadoes have been recorded in Shelby County since 1950, including 2 rated F3/EF3 or stronger.
How many homes in Shelby County have flood insurance?
1 residential flood insurance policy is in force in Shelby County, covering about 0.0% of homes. The program has paid $80.57K on 2 claims here since 1978.
What is the weather like in Shelby County?
At Shelbina, average highs reach 87°F in Jul and lows fall to 17°F in Jan, with 42.1 inches of rain a year (1991-2020 normals).

Source: FEMA (National Risk Index, NFIP), NOAA (Storm Events, HURDAT2, Climate Normals), EPA · Last updated 08/01/2026 · Storm counts include events in forecast zones that touch the county. This product uses the FEMA OpenFEMA API, but is not endorsed by FEMA.