Natural hazards · Oak Ridge

Oak Ridge, FL natural hazards

Most of the natural-hazard damage FEMA expects in Oak Ridge comes from inland flooding, and overall the risk is high for a U.S. community.

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

Expected damage

How exposed is Oak Ridge?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Oak Ridge to be higher than in 66% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding46%Cold waves17%Hurricanes15%Tornadoes12%Strong wind6%Everything else6%

By hazard

What Oak Ridge faces

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

Inland flooding

46% of expected damage

Above average · higher than 72% of U.S. places

Recorded about once every 3 years in the area

Cold waves

17% of expected damage

Above average · higher than 72% of U.S. places

Recorded about 4 times a year in the area

Hurricanes

15% of expected damage

Well above average · higher than 86% of U.S. places

Recorded about once every 4 years in the area

Tornadoes

12% of expected damage

Above average · higher than 67% of U.S. places

Strong wind

6% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about once a year in the area

Lower here

HailHeat wavesWildfireEarthquakesLightning

Not a risk here

Coastal floodingIce stormsWinter weatherLandslidesDroughtAvalanchesTsunamisVolcanic activity

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 Oak Ridge flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Orange County.

Disasters that hit Oak Ridge

Federal disasters declared here

None of the disasters declared for Orange County shows FEMA aid or repair money reaching Oak Ridge itself in FEMA’s records.

Brought FEMA money into Oak RidgeDeclared for Orange County only

Orange County has had 30 natural disasters declared since 1953, most often hurricanes and fires.

Around Oak Ridge

Oak Ridge and the towns around it

Very lowLowModerateHighVery high

Oak Ridgemostly inland floodingHigh

Orlandomostly inland floodingModerate

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. Oak Ridge covers 4 census tracts, combined by population.

Money that reached townFlood claims are matched to Oak Ridge’s own flood-insurance community; household aid to the registrant’s city; repair grants to Oak Ridge. 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 Oak Ridge total about $3.7M 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.