Natural hazards · Oakdale

Oakdale, CA natural hazards

Most of the natural-hazard damage FEMA expects in Oakdale comes from inland flooding, and overall the risk is low for a U.S. community. 3 federal disasters brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Oakdale?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Oakdale to be higher than in 29% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding56%Earthquakes34%Heat waves6%Everything else5%

By hazard

What Oakdale faces

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

Inland flooding

56% of expected damage

Below average · higher than 35% of U.S. places

Recorded about once every 2 years in the area

Earthquakes

34% of expected damage

Well above average · higher than 82% of U.S. places

Heat waves

6% of expected damage

Well above average · higher than 84% of U.S. places

Recorded about 7 times a year in the area

Lower here

TornadoesHailWinter weatherWildfireLandslidesStrong windLightningDroughtVolcanic activity

Not a risk here

Coastal floodingHurricanesIce stormsCold wavesAvalanchesTsunamis

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 Oakdale flood?

FEMA's records show no paid flood insurance claims in Oakdale.

of homes in flood zones
are insured

of all homes
are insured

No community discount. Oakdale isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Stanislaus County.

Disasters that hit Oakdale

3 federal disasters brought FEMA money here

Disasters the President declared that paid out in Oakdale itself: aid to households, or repair grants to the City of Oakdale.

Brought FEMA money into OakdaleDeclared for Stanislaus County only

2022

Severe Winter Storms, Flooding, Landslides, and Mudslides

2 households applied for aid $42K aid approved

2020

Wildfires

3 households applied for aid

2006

Severe Storms, Flooding, Landslides, and Mudslides

$9K to the City of Oakdale for repairs

Stanislaus County has had 18 natural disasters declared since 1953, most often floods and severe storms.

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Oakdale covers 3 census tracts, combined by population.

Money that reached townFlood claims are matched to Oakdale’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Oakdale. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Oakdale total about $4.7M a year, counting buildings, people and crops.

Sources: FEMA National Risk Index (December 2025); 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. Census tracts: U.S. Census Bureau.