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Natural hazards · Oak Park

Oak Park, MI natural hazards

Most of the natural-hazard damage FEMA expects in Oak Park comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 5 claims here since 2014. 5 federal disasters brought FEMA money into town.

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

How exposed is Oak Park?

26
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Oak Park to be higher than in 26% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding42%Tornadoes27%Cold waves18%Everything else12%
By hazard

What Oak Park faces

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

Inland flooding

42% of expected damage
Below average · higher than 40% of U.S. places
Recorded about once a year in the area

Tornadoes

27% of expected damage
Well above average · higher than 86% of U.S. places

Cold waves

18% of expected damage
Above average · higher than 52% of U.S. places
Recorded about 3 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Oak Park flood?

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

5paid claims since 2014
$34Kpaid to owners
0homes flooded more than once
20142026
of homes in flood zones
are insured
of all homes
are insured
No community discount. Oak Park isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Oakland County.
Disasters that hit Oak Park

5 federal disasters brought FEMA money here

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

Brought FEMA money into Oak ParkDeclared for Oakland County only
2023

Severe Storms, Tornadoes, and Flooding

1,637 households applied for aid $4.5M aid approved
2021

Severe Storms, Flooding, and Tornadoes

288 households applied for aid $323K aid approved
2014

Severe Storms and Flooding

4,381 households applied for aid $4.7M aid approved $562K to the City of Oak Park for repairs
2004

Severe Storms, Tornadoes, and Flooding

487 households applied for aid $235K aid approved
1999

Mi - Severe Weather 1/2 /99

$25K to the City of Oak Park for repairs
Oakland County has had 12 natural disasters declared since 1953, most often severe storms and floods.
Around Oak Park

Oak Park and the towns around it

Ferndale: Very low, mostly inland floodingSouthfield: Very low, mostly inland floodingHuntington Woods: Moderate, mostly inland floodingRoyal Oak: Very low, mostly inland floodingBerkley: Low, mostly inland floodingHazel Park: Low, mostly inland floodingPleasant Ridge: Low, mostly inland floodingRoyal Oak: Low, mostly inland floodingDetroit: Low, mostly inland floodingSouthfield: Low, mostly inland floodingBeverly Hills: Low, mostly inland floodingBingham Farms: Very low, mostly inland floodingFranklin: Very low, mostly inland floodingFarmington Hills: Very low, mostly inland floodingOak Park: Low, mostly inland flooding Oak ParkFerndaleSouthfieldHuntington WoodsRoyal OakBerkley
Very lowLowModerateHighVery high
Huntington Woodsmostly inland floodingModerate
Berkleymostly inland floodingLow
Oak Parkmostly inland floodingLow
Ferndalemostly inland floodingVery low
Southfieldmostly inland floodingVery low
Royal Oakmostly inland floodingVery 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. Oak Park covers 8 census tracts, combined by population.
Money that reached townFlood claims are matched to Oak Park’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Oak Park. 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 Oak Park total about $7.0M 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
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