Although federated learning preserves training data within local privacy domains, the aggregated model parameters may still reveal private characteristics. This vulnerability stems from clients' limited training data, which predisposes models to overfitting. Such overfitting enables models to memorize distinctive patterns from training samples, thereby amplifying the success probability of privacy attacks like membership inference. To enhance visual privacy protection in FL, we present CSVAR(Channel-Wise Spatial Image Shuffling with Variance-Guided Adaptive Region Partitioning), a novel image shuffling framework to generate obfuscated images for secure data transmission and each training epoch, addressing both overfitting-induced privacy leaks and raw image transmission risks. CSVAR adopts region-variance as the metric to measure visual privacy sensitivity across image regions. Guided by this, CSVAR adaptively partitions each region into multiple blocks, applying fine-grained partitioning to privacy-sensitive regions with high region-variances for enhancing visual privacy protection and coarse-grained partitioning to privacy-insensitive regions for balancing model utility. In each region, CSVAR then shuffles between blocks in both the spatial domains and chromatic channels to hide visual spatial features and disrupt color distribution. Experimental evaluations conducted on diverse real-world datasets demonstrate that CSVAR is capable of generating visually obfuscated images that exhibit high perceptual ambiguity to human eyes, simultaneously mitigating the effectiveness of adversarial data reconstruction attacks and achieving a good trade-off between visual privacy protection and model utility.