Natural hazards · Oil

Oil, IN natural hazards

Most of the natural-hazard damage FEMA expects in Oil comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 3 claims here since 2009.

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

Expected damage

How exposed is Oil?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Oil to be higher than in 80% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding59%Tornadoes18%Strong wind8%Everything else16%

By hazard

What Oil faces

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

Inland flooding

59% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

18% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about once every 6 years in the area

Strong wind

8% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about 6 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesLightningDrought

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 Oil flood?

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

3paid claims since 2009

$40Kpaid to owners

0homes flooded more than once

20092026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Perry County.

Disasters that hit Oil

Federal disasters declared here

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

Brought FEMA money into OilDeclared for Perry County only

Perry County has had 20 natural disasters declared since 1953, most often severe storms and floods.

Around Oil

Oil and the towns around it

Very lowLowModerateHighVery high

Oilmostly inland floodingVery high

Clarkmostly inland floodingVery high

Leopoldmostly inland floodingVery high

Unionmostly inland floodingVery high

Boonemostly inland floodingVery high

Unionmostly inland floodingVery high

Johnsonmostly inland floodingHigh

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. Oil covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Oil’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Oil. 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 Oil total about $3.1M 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.