Property Atlas

County hazard profile

Shelby, IL

Illinois · pop. 20,974 · FIPS 17173

Relatively Low
FEMA risk rating · RATING
Drought
dominant hazard
$20M
modeled expected annual loss/yr

Expected annual loss · all 3,232 U.S. counties

among the lowest nationally

national median $15M/yr Shelby $20M

A real dollar distribution: most counties sit far below a handful of high-exposure ones. A FEMA model of annual loss, not a record of disasters.

FEMA national percentile scores

FEMA/CDC score each county 0–100 against all others — the score is the national rank (RATING). Higher risk and vulnerability are worse; higher resilience is better.

FEMA risk indexRelatively Low 51.75/100
national median ~50 near the national middle (52nd percentile)
Social vulnerabilityRelatively Low 21.02/100
national median ~50 among the lowest nationally
Community resilienceVery High 81.65/100
national median ~50 higher than 82% of counties

Recorded · NFIP flood claims RECORDED

Realized flood losses in Shelby

The National Flood Insurance Program has paid 3 flood-insurance claims totaling $64K in Shelby since 1994. The costliest year was 2001 ($41K paid).

Flood-insurance dollars paid by year of loss

1994: $20,900 paid 1996: $2,140 paid 2001: $41,145 paid 2001 · $41K 1994 2001
$64K
total paid
$21,395
average claim
$41K
largest single claim
0%
in high-risk flood zones (A/V)

RECORDED — these are actual paid NFIP claims (a redacted census from OpenFEMA), not a model. They are the realized counterpart to the FEMA risk score above: one is what happened and got paid, the other is what a model predicts.

Scope: these are flood-insurance claims, so they undercount flooding where owners were uninsured — read this as "what NFIP paid here," not "every flood." County-level totals, not a per-property or per-address verdict. Verify a specific address and buy coverage at FloodSmart.gov; the underlying data is OpenFEMA NFIP Redacted Claims.

What these figures mean

  • RATING — the FEMA risk score, expected loss, social vulnerability, and resilience are FEMA/CDC models, not records of disasters that happened. The 0–100 scores are already national percentiles.
  • MEASURED — population is a recorded census figure.
  • COMPUTED — the county's rank within the dollar-loss distribution is our placement over the 3,232 counties.
  • CONTEXT — the note below is framing, not a measurement.

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What this is — and is not

This is FEMA/CDC modeled hazard exposure for Shelby, IL and where it ranks among U.S. counties. It is not a verdict on whether Shelby is a good or bad place to live — hazard exposure is not place quality, and a county can't opt out of its geography. It is not a per-property or per-address risk assessment, not a prediction of any specific disaster, and not insurance advice. For site-specific risk use a per-property assessment; for the underlying model see FEMA National Risk Index.