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Natural hazards · Oakland

Oakland, FL natural hazards

Most of the natural-hazard damage FEMA expects in Oakland comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 1 claim here since 2017. 8 federal disasters brought FEMA money into town.

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

How exposed is Oakland?

46
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Oakland to be higher than in 46% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding36%Hurricanes20%Cold waves14%Tornadoes13%Strong wind10%Everything else7%
By hazard

What Oakland faces

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

Inland flooding

36% of expected damage
Below average · higher than 34% of U.S. places
Recorded about once every 3 years in the area

Hurricanes

20% of expected damage
Well above average · higher than 85% of U.S. places
Recorded about once every 4 years in the area

Cold waves

14% of expected damage
Above average · higher than 72% of U.S. places
Recorded about 4 times a year in the area

Tornadoes

13% of expected damage
Above average · higher than 71% of U.S. places

Strong wind

10% of expected damage
Well above average · higher than 98% of U.S. places
Recorded about once a year in the area

Lower here

HailHeat wavesWildfireEarthquakesLandslidesLightningDrought

Not a risk here

Coastal floodingIce stormsWinter weatherAvalanchesTsunamisVolcanic 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 Oakland flood?

Every paid claim on a federal flood insurance policy in Oakland, from FEMA’s records.

1paid claims since 2017
$82Kpaid to owners
0homes flooded more than once
20172026

Biggest named events

  • Hurricane Irma: 1 claim, $82K
of homes in flood zones
are insured
of all homes
are insured
No community discount. Oakland 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 Oakland

8 federal disasters brought FEMA money here

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

Brought FEMA money into OaklandDeclared for Orange County only
2024

Hurricane Milton

141 households applied for aid $62K aid approved $181K to the Town of Oakland for repairs
2022

Hurricane Ian

77 households applied for aid $32K aid approved $165K to the Town of Oakland for repairs
2017

Hurricane Irma

216 households applied for aid $54K aid approved $236K to the Town of Oakland for repairs
2008

Tropical Storm Fay

1 household applied for aid
2004

Hurricane Jeanne

46 households applied for aid $26K aid approved $44K to the Town of Oakland for repairs
2004

Hurricane Ivan

2 households applied for aid
2004

Hurricane Frances

35 households applied for aid $29K aid approved $39K to the Town of Oakland for repairs
2004

Tropical Storm Bonnie and Hurricane Charley

27 households applied for aid $13K aid approved $56K to the Town of Oakland for repairs
Orange County has had 30 natural disasters declared since 1953, most often hurricanes and fires.
Around Oakland

Oakland and the towns around it

Winter Garden: Moderate, mostly inland floodingClermont: Moderate, mostly inland floodingLake Butler: Moderate, mostly inland floodingHorizon West: Moderate, mostly inland floodingOcoee: Moderate, mostly inland floodingTildenville: Moderate, mostly inland floodingMinneola: Moderate, mostly inland floodingGroveland: High, mostly inland floodingOakland: Moderate, mostly inland flooding OaklandWinter GardenClermont
Very lowLowModerateHighVery high
Winter Gardenmostly inland floodingModerate
Oaklandmostly inland floodingModerate
Clermontmostly 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. Oakland covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Oakland’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Town of Oakland. 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 Oakland total about $1.2M 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
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