Natural hazards · Oakley

Oakley, IL natural hazards

Most of the natural-hazard damage FEMA expects in Oakley comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 3 claims here since 2008.

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

Expected damage

How exposed is Oakley?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Oakley to be higher than in 35% of U.S. communities, mostly from inland flooding.

Inland flooding43%Cold waves15%Tornadoes13%Earthquakes10%Heat waves6%Everything else14%

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

43% of expected damage

Below average · higher than 41% of U.S. places

Recorded about once a year in the area

Cold waves

15% of expected damage

Above average · higher than 56% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

13% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about once every 14 years in the area

Earthquakes

10% of expected damage

Well above average · higher than 76% of U.S. places

Heat waves

6% of expected damage

Below average · higher than 39% of U.S. places

Recorded about 7 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic 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 Oakley flood?

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

3paid claims since 2008

$20Kpaid to owners

0homes flooded more than once

20082026

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: Macon County.

Disasters that hit Oakley

Federal disasters declared here

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

Brought FEMA money into OakleyDeclared for Macon County only

Macon County has had 9 natural disasters declared since 1953, most often severe storms and tornadoes.

Around Oakley

Oakley and the towns around it

Very lowLowModerateHighVery high

Decaturmostly inland floodingModerate

Long Creekmostly inland floodingModerate

Decaturmostly inland floodingModerate

Cerro Gordomostly inland floodingModerate

Willow Branchmostly inland floodingModerate

Oakleymostly inland floodingLow

Whitmoremostly inland floodingLow

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 1 census tract, combined by population.

Money that reached townFlood claims are matched to Oakley’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township 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 $2.6M 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.