For hail, Shady Shores’s building-damage rate is in the top 3% of U.S. census tracts
On FEMA’s National Risk Index, Shady Shores gets a C+ for hazard risk: higher expected damage per building than 60% of U.S. towns, #404 of 642 in Texas. Most of that expected damage is river and rain flooding (66%), then hail (17%). Flood insurance has paid 3 claims here since 2015.
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 Shady Shores 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
Hail
Tornadoes
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 Shady Shores’ grade
River and rain flooding is 66% of the building damage FEMA expects in Shady Shores, and Shady Shores’ rate of river and rain flooding damage is higher than 61% of U.S. census tracts. Hail adds 17%, at a rate in the top 3% of U.S. census tracts.
C+ #404 of 642 in Texas; higher expected damage per building than 60% of U.S. towns (21,298).
Shady Shores’ residents live in 3 census tracts; FEMA’s figures are combined by where they live.
The typical Texas town has higher expected damage than 50% of U.S. towns; within the state, Shady Shores has more expected damage per building than 63% of Texas towns.
In dollars, FEMA expects about $1.4M a year in losses across Shady Shores: $922K to buildings, the rest to people and crops.
Does Shady Shores flood? Rarely: 3 flood claims since 2015
Every paid claim on a federal flood insurance policy in Shady Shores, from FEMA’s records: 3.0 per 1,000 homes, fewer than 52% of the 13,809 U.S. towns with a flood insurance record.
- The Early summer storms3 claims · $29K
Shady Shores isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Denton County.5 federal disasters brought FEMA money to Shady Shores
Disasters that paid out in Shady Shores itself (aid to households or repair grants to the Town of Shady Shores), newest first, with that year’s flood claims.
- 2024Severe Storms, Straight-line Winds, Tornadoes, and Flooding13 households applied for aid$22K aid approved
- 2021Severe Winter Storms25 households applied for aid$11K aid approved
- 2015Severe Storms, Tornadoes, Straight-line Winds and Flooding2 households applied for aid$192K to the Town of Shady Shores for repairs3 flood claims paid that year
- 2007Severe Storms, Tornadoes, and Flooding4 households applied for aid$3K to the Town of Shady Shores for repairs
- 2007Severe Storms and Tornadoes1 households applied for aid$996 aid approved
Denton County has had 17 natural disasters declared by the President since 1953, most often severe storms, then hurricanes and tropical storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Also 1 FEMA wildfire suppression grant (Fire Management Assistance, not a disaster declaration) for fires in Denton County, 2006–2006.
Old photos of Shady Shores after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Shady Shores archive →Shady Shores and its neighbors
Shady Shores is 4th of the 4 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Lake Dallas | Bless damage than 62% | river and rain flooding | 3 |
| Denton | B−less damage than 54% | river and rain flooding | 107 |
| Corinth | B−more damage than 53% | river and rain flooding | 11 |
| Shady Shores | C+more damage than 60% | river and rain flooding | 3 |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Shady Shores faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- 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.
- Park in a garage or under cover when storms are forecast.
- Stay away from windows while it falls.
- Photograph roof and car damage for your insurer.
- 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.
- 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 Shady Shores
Is Shady Shores at risk for natural disasters?
On FEMA’s National Risk Index, Shady Shores has higher expected damage per building than 60% of U.S. towns: C+ for hazard risk, #404 of 642 in Texas. Most of the expected damage is river and rain flooding (66%) and hail (17%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Shady Shores flood?
Flood insurance has paid 3 claims in Shady Shores since 2015, $29K in all, or 3.0 per 1,000 homes, fewer than 52% of U.S. towns with a flood insurance record. The most claims came from Early summer storms (3).
Is Shady Shores 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 Denton County, 28% of homes in mapped flood zones carry federal flood insurance, and 0.7% of all homes do.
How much is flood insurance in Shady Shores?
FEMA’s Community Rating System list shows no discount for Shady Shores’ 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 Shady Shores?
By FEMA money that reached Shady Shores, Severe Storms, Tornadoes, Straight-line Winds and Flooding (2015): 2 households applied for aid, $0 approved, and $192K to the Town of Shady Shores for repairs. By flood claims, Early summer storms: 3 paid, $29K.
Is Shady Shores at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (66%), and Shady Shores’ rate for it is higher than 61% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Shady Shores.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Shady Shores’ 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.