Natural hazards · Oakfield

Oakfield, MI natural hazards

Most of the natural-hazard damage FEMA expects in Oakfield comes from inland flooding, and overall the risk is very low for a U.S. community.

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

Expected damage

How exposed is Oakfield?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Oakfield to be higher than in 10% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding51%Tornadoes21%Strong wind11%Cold waves7%Heat waves6%Everything else4%

By hazard

What Oakfield faces

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

Inland flooding

51% of expected damage

Well below average · higher than 22% of U.S. places

Recorded about once a year in the area

Tornadoes

21% of expected damage

Above average · higher than 73% of U.S. places

Recorded about once every 74 years in the area

Strong wind

11% of expected damage

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

Recorded about 3 times a year in the area

Cold waves

7% of expected damage

Well below average · higher than 20% of U.S. places

Recorded about once a year in the area

Heat waves

6% of expected damage

Below average · higher than 30% of U.S. places

Recorded about 2 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireEarthquakesLandslidesLightning

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 Oakfield flood?

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

of all homes
are insured

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

Insurance rates: Kent County.

Disasters that hit Oakfield

Federal disasters declared here

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

Brought FEMA money into OakfieldDeclared for Kent County only

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

Around Oakfield

Oakfield and the towns around it

Very lowLowModerateHighVery high

Courtlandmostly inland floodingLow

Spencermostly inland floodingVery low

Oakfieldmostly inland floodingVery low

Eurekamostly inland floodingVery low

Grattanmostly 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. Oakfield covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Oakfield’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Oakfield. 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 Oakfield total about $1.1M 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.