Oakdale’s biggest natural hazard is earthquakes
Most of the natural-hazard damage FEMA expects in Oakdale comes from earthquakes, and overall the risk is high for a U.S. community. 1 federal disaster brought FEMA money into town.
What stands out about Oakdale’s weather risks
Read from FEMA’s records below. The page puts what stands out first.
Does Oakdale flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Oakdale. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
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: Washington County.How exposed is Oakdale?
FEMA expects yearly storm and flood damage to homes and buildings here to be higher than in 71% of U.S. communities, mostly from earthquakes and inland flooding.
Rated higher than 2,201 of the 2,886 Illinois towns we cover.
Oakdale is smaller than a census tract, so it shares the figures of the tract around its center.
What Oakdale faces
Each hazard’s share of the damage FEMA expects here, and how it compares with the rest of the country.
Earthquakes
Inland flooding
Heat waves
Cold waves
Strong wind
Tornadoes
1 federal disaster brought FEMA money to Oakdale
Disasters that paid out in Oakdale itself (aid to households or repair grants to the Village of Oakdale) and its biggest flood years.
- 2024Severe Storms, Tornadoes, Straight-Line Winds, and Floodng1 household applied for aid$5K aid approved
Washington County has had 7 natural disasters declared since 1953, most often severe storms and tornadoes.
Old photos of Oakdale after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Oakdale archive →Get ready for what Oakdale actually faces
A short kit for its top hazards, what to check before you buy, and where neighbors get alerts.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Know the nearest cooling center or air-conditioned library.
- Drink water before you feel thirsty.
- Check on neighbors who live alone.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
What these numbers can and can’t tell you
- An average, not a forecast. FEMA’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 there, so a big city isn’t rated riskier just for having more buildings.
- Money that reached town. Flood claims are matched to Oakdale’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Oakdale.
- It follows property value. FEMA’s model weighs damage to buildings, so a place that recently lost many homes can rate lower than it feels.
Storm stories
Memories, warnings and help from neighbors in Oakdale.
Your answer becomes a post in Town Square.
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. Preparedness tips: Ready.gov. An average of past damage, not a forecast.