Natural hazards · White Oak

White Oak, IL natural hazards

Most of the natural-hazard damage FEMA expects in White Oak comes from inland flooding, and overall the risk is moderate for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is White Oak?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in White Oak to be higher than in 56% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding39%Cold waves29%Drought14%Tornadoes8%Everything else10%

By hazard

What White Oak faces

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

Inland flooding

39% of expected damage

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

Recorded about once a year in the area

Cold waves

29% of expected damage

Above average · higher than 61% of U.S. places

Recorded about 5 times a year in the area

Drought

14% of expected damage

Recorded about 4 times a year in the area

Tornadoes

8% of expected damage

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

Recorded about once every 11 years in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 White Oak flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: McLean County.

Disasters that hit White Oak

1 federal disaster brought FEMA money here

Disasters the President declared that paid out in White Oak itself: aid to households, or repair grants to the Township of White Oak.

Brought FEMA money into White OakDeclared for McLean County only

1999

Il-Winter Storm 1/1/99

$5K to the Township of White Oak for repairs

McLean County has had 9 natural disasters declared since 1953, most often winter storms and ice storms.

Around White Oak

White Oak and the towns around it

Very lowLowModerateHighVery high

White Oakmostly inland floodingModerate

Kansasmostly inland floodingModerate

Dry Grovemostly 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. White Oak is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to White Oak’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of White Oak. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

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.