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Shubuta BridgeShubuta Bridge · Photo: JennyJacobs1 · CC BY-SA 4.0
–Not graded
Natural hazards in Shubuta · FEMA

Storms, floods and disasters in Shubuta

Shubuta isn’t graded for hazard risk: Shubuta has 553 residents; we grade towns of 1,000 or more. Flood insurance has paid 17 claims here since 1980.

Flood claims
17
paid since 1980 · $474K
Flooded more than once
2
properties
Disasters paid out here
9
of 20 declared for Clarke County
By hazard

What Shubuta faces

Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.

River and rain flooding

66%of expected building damage
Well above average · higher than 81% of U.S. census tracts
Recorded about once a year in the area

Hurricanes

13%of expected building damage
Well above average · higher than 85% of U.S. census tracts
Recorded about once every 8 years in the area

Tornadoes

12%of expected building damage
Well above average · in the top 2% of U.S. census tracts
Recorded about once every 5 years in the area
Smaller shares here
 Strong wind Earthquakes Hail Ice storms Wildfire Cold waves top 2% Lightning top 5% Winter storms Heat waves Landslides
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts cold waves at 14% of Shubuta’s expected losses. Cold waves do little damage to buildings (0.2%), so they aren’t part of the grade.

Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Flood insurance claims

Does Shubuta flood? Sometimes: 17 flood claims since 1980

Every paid claim on a federal flood insurance policy in Shubuta, from FEMA’s records.

Paid flood claims, by year
1980: 1 claim1981: 0 claims1982: 0 claims1983: 0 claims1984: 0 claims1985: 0 claims1986: 0 claims1987: 0 claims1988: 0 claims1989: 0 claims1990: 0 claims1991: 0 claims1992: 0 claims1993: 0 claims1994: 0 claims1995: 0 claims1996: 0 claims1997: 1 claim1998: 0 claims1999: 0 claims2000: 0 claims2001: 0 claims2002: 0 claims2003: 0 claims2004: 0 claims2005: 0 claims2006: 0 claims2007: 0 claims2008: 0 claims2009: 0 claims2010: 0 claims2011: 0 claims2012: 0 claims2013: 0 claims2014: 0 claims2015: 0 claims2016: 4 claims2017: 0 claims2018: 10 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 1 claim2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims198020162018
19802026
Biggest named events
  • The Late winter severe storms4 claims · $94K
17
paid claims since 1980
$474K
paid to owners
2
homes flooded more than once
$28K
average claim
Homes that flooded again and again
FEMA “severe repetitive loss” (0)Flooded 2+ times
of homes in flood zones are insured
of all homes are insured
No community discount

Shubuta isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Clarke County.
What’s been done with FEMA grants
5storm safe rooms built
Disasters

9 federal disasters brought FEMA money to Shubuta

Disasters that paid out in Shubuta itself (aid to households or repair grants to the Town of Shubuta), newest first, with that year’s flood claims.

  1. 2020Severe Storms, Tornadoes, Straight-line Winds, and Flooding35 households applied for aid$74K aid approved
  2. 2016Severe Storms and Flooding47 households applied for aid$136K aid approved4 flood claims paid that year
  3. 2014Severe Storms, Tornadoes, and Flooding23 households applied for aid$48K aid approved
  4. 2013Severe Storms, Tornadoes, and Flooding7 households applied for aid$2K aid approved
  5. 2012Hurricane Isaac80 households applied for aid$46K aid approved
  6. 2011Severe Storms, Tornadoes, Straight-line Winds, and Associated Flooding18 households applied for aid$54K aid approved
Show all 9
  1. 2005Hurricane Katrina1,364 households applied for aid$1.8M aid approved
  2. 2004Hurricane Ivan247 households applied for aid$193K aid approved
  3. 2003Severe Storms, Tornadoes, Floods34 households applied for aid$79K aid approved
Disasters declared, by decade
Paid out in ShubutaClarke County only

Clarke County has had 20 natural disasters declared by the President since 1953, most often hurricanes and tropical storms, then severe storms.

Were you here?

Old photos of Shubuta after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Shubuta archive →
Be ready

Get ready for what Shubuta faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

When the river rises
  • Turn around at flooded roads: a foot of moving water can carry off a car.
  • Flood insurance usually takes 30 days to start, so buy it before the forecast.
  • Keep papers and medicines up high, in a grab-and-go bag.
More from Ready.gov ↗
Hurricane season
  • The season runs June through November and peaks from mid-August to mid-October.
  • Bring in porch furniture and anything the wind can throw.
  • Fill the gas tank and charge phones before the storm arrives.
More from Ready.gov ↗
Tornado warnings
  • Pick your spot now: the lowest floor, an inside room, no windows.
  • A watch means be ready; a warning means take cover now.
  • Keep shoes and a flashlight by the bed.
More from Ready.gov ↗
Before you buy or rent
  • Look up the address on FEMA’s flood map.
  • Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
  • Get a flood insurance quote early: policies usually start 30 days after you buy.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Shubuta

Does Shubuta flood?

Flood insurance has paid 17 claims in Shubuta since 1980, $474K in all. 2 properties have flooded more than once. The most claims came from Late winter severe storms (4).

Is Shubuta in a flood zone?

Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Clarke County, 14% of homes in mapped flood zones carry federal flood insurance, and 1.1% of all homes do.

How much is flood insurance in Shubuta?

FEMA’s Community Rating System list shows no discount for Shubuta’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.

What was the biggest storm in Shubuta?

By FEMA money that reached Shubuta, Hurricane Katrina (2005): 1,364 households applied for aid, $1.8M approved. By flood claims, Late winter severe storms: 4 paid, $94K.

Storm stories

Memories, warnings and help from neighbors in Shubuta.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Shubuta’s residents lived in the 2020 census; OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.