Property Atlas

County hazard profile

Shelby, KY

Kentucky · pop. 47,942 · FIPS 21211

Relatively Low
FEMA risk rating · RATING
Strong Wind
dominant hazard
$22M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Shelby $22M

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 61.86/100
national median ~50 near the national middle (62nd percentile)
Social vulnerabilityRelatively Moderate 46.22/100
national median ~50 near the national middle (46th percentile)
Community resilienceRelatively High 79.93/100
national median ~50 higher than 80% of counties

Recorded · NFIP flood claims RECORDED

Realized flood losses in Shelby

The National Flood Insurance Program has paid 31 flood-insurance claims totaling $369K in Shelby since 1978. The costliest year was 2022 ($132K paid).

Flood-insurance dollars paid by year of loss

1978: $5,189 paid 1991: $3,136 paid 1996: $6,700 paid 1997: $62,088 paid 2000: $43,615 paid 2006: $2,572 paid 2008: $6,491 paid 2011: $1,176 paid 2013: $0 paid 2015: $0 paid 2018: $42,764 paid 2019: $38,753 paid 2021: $24,052 paid 2022: $132,001 paid 2022 · $132K 1978 2022
$369K
total paid
$11,888
average claim
$120K
largest single claim
45%
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, KY 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.