Natural hazards · Oakbrook

Oakbrook, KY natural hazards

Most of the natural-hazard damage FEMA expects in Oakbrook comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 2 claims here since 2009.

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

Expected damage

How exposed is Oakbrook?

Moderate

vs. U.S. communities

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

Inland flooding40%Cold waves26%Tornadoes20%Strong wind7%Everything else7%

By hazard

What Oakbrook faces

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

Inland flooding

40% of expected damage

Above average · higher than 60% of U.S. places

Recorded about 2 times a year in the area

Cold waves

26% of expected damage

Above average · higher than 54% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

20% of expected damage

Well above average · higher than 96% of U.S. places

Strong wind

7% of expected damage

Well above average · higher than 86% of U.S. places

Recorded about 4 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat 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 Oakbrook flood?

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

2paid claims since 2009

$4Kpaid to owners

0homes flooded more than once

20092026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Boone County.

Disasters that hit Oakbrook

Federal disasters declared here

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

Brought FEMA money into OakbrookDeclared for Boone County only

Boone County has had 11 natural disasters declared since 1953, most often severe storms and winter storms.

Around Oakbrook

Oakbrook and the towns around it

Very lowLowModerateHighVery high

Oakbrookmostly inland floodingModerate

Burlingtonmostly inland floodingLow

Florencemostly cold wavesVery low

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. Oakbrook covers 3 census tracts, combined by population.

Money that reached townFlood claims are matched to Oakbrook’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Oakbrook. 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 Oakbrook total about $5.1M 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.