Natural hazards · Oxford

Oxford, MI natural hazards

Most of the natural-hazard damage FEMA expects in Oxford 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 Oxford?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Oxford to be higher than in 8% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding43%Tornadoes28%Cold waves19%Everything else11%

By hazard

What Oxford faces

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

Inland flooding

43% of expected damage

Well below average · higher than 15% of U.S. places

Recorded about once a year in the area

Tornadoes

28% of expected damage

Well above average · higher than 80% of U.S. places

Cold waves

19% 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 Oxford flood?

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

of homes in flood zones
are insured

of all homes
are insured

No community discount. Oxford 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 Oxford

Federal disasters declared here

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

Brought FEMA money into OxfordDeclared for Oakland County only

Oakland County has had 12 natural disasters declared since 1953, most often severe storms and floods.

Around Oxford

Oxford and the towns around it

Very lowLowModerateHighVery high

Drydenmostly inland floodingLow

Brandonmostly inland floodingLow

Metamoramostly inland floodingVery low

Addisonmostly inland floodingVery low

Orionmostly inland floodingVery low

Oxfordmostly 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. Oxford covers 5 census tracts, combined by population.

Money that reached townFlood claims are matched to Oxford’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Oxford. 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 Oxford total about $5.2M 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.