Shattuck National Bank Building · Photo: Ammodramus · CC0On FEMA’s figures, Shattuck faces more hazard damage per building than 91% of U.S. towns, led by ice storms
On FEMA’s National Risk Index, Shattuck gets a D for hazard risk: higher expected damage per building than 91% of U.S. towns. Most of that expected damage is ice storms (38%), then river and rain flooding (24%). FEMA’s files show no paid flood insurance claims here.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What stands out about Shattuck’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Shattuck faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
Ice storms
River and rain flooding
Wildfire
Strong wind
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.
What’s behind Shattuck’s grade
Ice storms are 38% of the building damage FEMA expects in Shattuck, and Shattuck’s rate of ice storms damage is in the top 1% of U.S. census tracts. Wildfire adds 16%, at a rate in the top 2% of U.S. census tracts.
D higher expected damage per building than 91% of U.S. towns (21,298).
All of Shattuck’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $1.7M a year in losses across Shattuck: $820K to buildings, the rest to people and crops.
Does Shattuck flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Shattuck. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
4 federal disasters brought FEMA money to Shattuck
Disasters that paid out in Shattuck itself (aid to households or repair grants to the Town of Shattuck), newest first, with that year’s flood claims.
- 2017Severe Winter Storm$16K to the Town of Shattuck for repairs
- 2013Severe Winter Storm and Snowstorm$1K to the Town of Shattuck for repairs
- 2009Record Snow and Near Record Snow$3K to the Town of Shattuck for repairs
- 2005Extreme Wildfire Threat$929 to the Town of Shattuck for repairs
Ellis County has had 20 natural disasters declared by the President since 1953, most often severe storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Also 4 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Ellis County, 2017–2025.
Old photos of Shattuck after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Shattuck archive →Get ready for what Shattuck faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Ice brings down trees and lines: plan for days without power.
- Run a generator outside, far from doors and windows.
- Keep sand or salt by the door.
- 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.
- Clear dead leaves and brush within 5 feet of the house.
- Sign up for local alerts and know two ways out.
- Keep N95 masks for smoky days.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- 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.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Shattuck
Is Shattuck at risk for natural disasters?
On FEMA’s National Risk Index, Shattuck has higher expected damage per building than 91% of U.S. towns: D for hazard risk. Most of the expected damage is ice storms (38%) and river and rain flooding (24%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Shattuck 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.
How much is flood insurance in Shattuck?
FEMA’s Community Rating System list shows no discount for Shattuck’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 Shattuck?
By FEMA money that reached Shattuck, Severe Winter Storm (2017): $16K to the Town of Shattuck for repairs.
Is Shattuck at risk from ice storms?
It is the largest share of the building damage FEMA expects here (38%), and Shattuck’s rate for it is in the top 1% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Shattuck.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Shattuck’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.