Property Atlas

County hazard profile

Shelby, TN

Tennessee · pop. 929,552 · FIPS 47157

Relatively High
FEMA risk rating · RATING
Cold Wave
dominant hazard
$555M
modeled expected annual loss/yr

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

among the highest nationally

national median $15M/yr Shelby $555M

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 High 99.36/100
national median ~50 among the highest nationally
Social vulnerabilityRelatively High 72.58/100
national median ~50 near the national middle (73rd percentile)
Community resilienceRelatively Moderate 57.51/100
national median ~50 near the national middle (58th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Shelby

The National Flood Insurance Program has paid 1,014 flood-insurance claims totaling $24.9M in Shelby since 1978. The costliest year was 2010 ($7.2M paid).

Flood-insurance dollars paid by year of loss

1978: $34,260 paid 1979: $475,339 paid 1980: $71,577 paid 1981: $3,606 paid 1982: $71,195 paid 1983: $65,616 paid 1984: $12,256 paid 1985: $0 paid 1986: $18,036 paid 1987: $655,356 paid 1988: $47,565 paid 1989: $12,211 paid 1990: $6,418 paid 1991: $69,488 paid 1992: $2,881 paid 1993: $12,509 paid 1994: $735 paid 1995: $10,148 paid 1996: $412,290 paid 1997: $138,700 paid 1998: $1,837 paid 1999: $13,785 paid 2001: $475,888 paid 2002: $189,006 paid 2003: $162,880 paid 2004: $186,233 paid 2005: $154,659 paid 2006: $0 paid 2008: $202,947 paid 2009: $1,108,189 paid 2010: $7,225,566 paid 2011: $2,463,573 paid 2012: $44,154 paid 2013: $1,379,878 paid 2014: $3,794,539 paid 2015: $29,861 paid 2016: $382,580 paid 2017: $47,854 paid 2018: $180,401 paid 2019: $2,614,772 paid 2020: $76,768 paid 2021: $238,961 paid 2022: $28,923 paid 2023: $1,253,377 paid 2024: $176,610 paid 2025: $357,256 paid 2010 · $7.2M 1978 2025
$24.9M
total paid
$24,567
average claim
$542K
largest single claim
33%
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, TN 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.