Natural hazards · Oak

Oak, MN natural hazards

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

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

Expected damage

How exposed is Oak?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Oak to be higher than in 44% of U.S. communities, mostly from inland flooding.

Inland flooding65%Tornadoes12%Strong wind7%Hail6%Cold waves6%Everything else4%

By hazard

What Oak faces

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

Inland flooding

65% of expected damage

Above average · higher than 62% of U.S. places

Recorded about once a year in the area

Tornadoes

12% of expected damage

Well above average · higher than 79% of U.S. places

Recorded about once every 15 years in the area

Strong wind

7% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about 3 times a year in the area

Hail

6% of expected damage

Well above average · higher than 81% of U.S. places

Recorded about 5 times a year in the area

Cold waves

6% of expected damage

Below average · higher than 36% of U.S. places

Recorded about 13 times a year in the area

Lower here

Ice stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightningDrought

Not a risk here

Coastal floodingHurricanesAvalanchesTsunamisVolcanic 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 flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Stearns County.

Disasters that hit Oak

Federal disasters declared here

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

Brought FEMA money into OakDeclared for Stearns County only

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

Around Oak

Oak and the towns around it

Very lowLowModerateHighVery high

St. Martinmostly inland floodingModerate

Albanymostly inland floodingModerate

Oakmostly inland floodingModerate

Freeportmostly inland floodingModerate

Grovemostly inland floodingModerate

Millwoodmostly inland floodingModerate

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 covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Oak’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Oak. 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 total about $2.6M 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.