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Natural hazards · Oakwood

Oakwood, MN natural hazards

Most of the natural-hazard damage FEMA expects in Oakwood comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 2 claims here since 2010.

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

How exposed is Oakwood?

75
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Oakwood to be higher than in 75% of U.S. communities, mostly from inland flooding.

Inland flooding71%Tornadoes10%Strong wind6%Hail6%Everything else8%
By hazard

What Oakwood faces

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

Inland flooding

71% of expected damage
Well above average · higher than 87% of U.S. places
Recorded about 2 times a year in the area

Tornadoes

10% of expected damage
Well above average · higher than 87% of U.S. places
Recorded about once every 13 years in the area

Strong wind

6% of expected damage
Well above average · higher than 98% of U.S. places
Recorded about 4 times a year in the area

Hail

6% of expected damage
Well above average · higher than 87% of U.S. places
Recorded about 4 times a year in the area

Lower here

Ice stormsWinter weatherCold wavesHeat 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 Oakwood flood?

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

2paid claims since 2010
$52Kpaid to owners
0homes flooded more than once
20102026
of all homes
are insured
No community discount. Oakwood isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Wabasha County.
Disasters that hit Oakwood

Federal disasters declared here

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

Brought FEMA money into OakwoodDeclared for Wabasha County only
Wabasha County has had 15 natural disasters declared since 1953, most often floods and severe storms.
Around Oakwood

Oakwood and the towns around it

Elgin: High, mostly inland floodingWest Albany: High, mostly inland floodingHighland: High, mostly inland floodingZumbro: High, mostly inland floodingHyde Park: High, mostly inland floodingPlainview: High, mostly inland floodingViola: Low, mostly inland floodingFarmington: Moderate, mostly inland floodingGillford: High, mostly inland floodingGlasgow: High, mostly inland floodingLake: Moderate, mostly inland floodingWatopa: High, mostly inland floodingMazeppa: High, mostly inland floodingHammond: High, mostly inland floodingZumbro Falls: High, mostly inland floodingOakwood: High, mostly inland flooding OakwoodElginWest AlbanyHighlandZumbroHyde Park
Very lowLowModerateHighVery high
Zumbromostly inland floodingHigh
Hyde Parkmostly inland floodingHigh
Oakwoodmostly inland floodingHigh
Elginmostly inland floodingHigh
West Albanymostly inland floodingHigh
Highlandmostly inland floodingHigh
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. Oakwood covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Oakwood’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Oakwood. 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 Oakwood total about $3.3M 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/15 · 2025-01-01
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