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Natural hazards · Oakland

Oakland, MN natural hazards

Most of the natural-hazard damage FEMA expects in Oakland comes from inland flooding, and overall the risk is moderate for a U.S. community. 4 federal disasters brought FEMA money into town.

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

How exposed is Oakland?

58
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Oakland to be higher than in 58% of U.S. communities, mostly from inland flooding and drought.

Inland flooding43%Drought22%Tornadoes17%Cold waves7%Strong wind7%Everything else6%
By hazard

What Oakland 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
Above average · higher than 67% of U.S. places
Recorded about once a year in the area

Drought

22% of expected damage
Recorded about 17 times a year in the area

Tornadoes

17% of expected damage
Well above average · higher than 98% of U.S. places
Recorded about once every 8 years in the area

Cold waves

7% of expected damage
Above average · higher than 66% of U.S. places
Recorded about 10 times a year in the area

Strong wind

7% of expected damage
Well above average · higher than 96% of U.S. places
Recorded about 4 times a year in the area

Lower here

HailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

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 Oakland flood?

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

of homes in flood zones
are insured
of all homes
are insured
No community discount. Oakland isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Freeborn County.
Disasters that hit Oakland

4 federal disasters brought FEMA money here

Disasters the President declared that paid out in Oakland itself: aid to households, or repair grants to the Township of Oakland.

Brought FEMA money into OaklandDeclared for Freeborn County only
2016

Severe Storms and Flooding

2 households applied for aid $16K aid approved
2008

Severe Storms and Flooding

$18K to the Township of Oakland for repairs
2004

Severe Storms and Flooding

3 households applied for aid $14K aid approved $8K to the Township of Oakland for repairs
2000

Severe Storms and Flooding

$6K to the Township of Oakland for repairs
Freeborn County has had 19 natural disasters declared since 1953, most often floods and severe storms.
Around Oakland

Oakland and the towns around it

London: Moderate, mostly inland floodingMoscow: Moderate, mostly inland floodingAustin: High, mostly inland floodingHayward: Moderate, mostly inland floodingMyrtle: Moderate, mostly inland floodingLyle: High, mostly inland floodingShell Rock: Moderate, mostly inland floodingRiceland: Moderate, mostly inland floodingLansing: Moderate, mostly inland floodingNewry: Moderate, mostly inland floodingAustin: Very high, mostly inland floodingAlbert Lea: Low, mostly inland floodingGlenville: Moderate, mostly inland floodingFreeman: Low, mostly inland floodingOakland: Moderate, mostly inland flooding OaklandLondonMoscowAustinHayward
Very lowLowModerateHighVery high
Austinmostly inland floodingHigh
Moscowmostly inland floodingModerate
Oaklandmostly inland floodingModerate
Londonmostly inland floodingModerate
Haywardmostly 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. Oakland is smaller than a census tract, so it shares the figures of the tract around its center.
Money that reached townFlood claims are matched to Oakland’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Oakland. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

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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You’re in Oakland, MNFreeborn CountyView boundary

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/15 · 2025-01-01
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