Natural hazards · Oakley

Oakley, CA natural hazards

Most of the natural-hazard damage FEMA expects in Oakley comes from inland flooding, and overall the risk is very high for a U.S. community. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Oakley?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Oakley to be higher than in 82% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding57%Earthquakes39%Everything else4%

By hazard

What Oakley faces

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

Inland flooding

57% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about once a year in the area

Earthquakes

39% of expected damage

Well above average · higher than 89% of U.S. places

Lower here

TornadoesHailHeat wavesWildfireLandslidesStrong windLightningDroughtVolcanic activity

Not a risk here

Coastal floodingHurricanesIce stormsWinter weatherCold 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 Oakley flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Contra Costa County.

Disasters that hit Oakley

2 federal disasters brought FEMA money here

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

Brought FEMA money into OakleyDeclared for Contra Costa County only

2022

Severe Winter Storms, Flooding, Landslides, and Mudslides

34 households applied for aid $13K aid approved

2005

Severe Storms, Flooding, Mudslides, and Landslides

1 household applied for aid

Contra Costa County has had 17 natural disasters declared since 1953, most often floods and severe storms.

Around Oakley

Oakley and the towns around it

Very lowLowModerateHighVery high

Knightsenmostly inland floodingVery high

Oakleymostly inland floodingVery high

Brentwoodmostly inland floodingVery high

Antiochmostly earthquakesHigh

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. Oakley covers 5 census tracts, combined by population.

Money that reached townFlood claims are matched to Oakley’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Oakley. 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 Oakley total about $14.5M 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.