Natural hazards · Oxford

Oxford, MN natural hazards

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

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Oxford to be higher than in 51% of U.S. communities, mostly from inland flooding.

Inland flooding59%Tornadoes15%Cold waves7%Strong wind7%Everything else13%

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

59% of expected damage

Above average · higher than 66% of U.S. places

Recorded about once every 5 years in the area

Tornadoes

15% of expected damage

Well above average · higher than 75% of U.S. places

Recorded about once every 22 years in the area

Cold waves

7% of expected damage

Below average · higher than 39% 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 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 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: Isanti County.

Disasters that hit Oxford

Federal disasters declared here

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

Brought FEMA money into OxfordDeclared for Isanti County only

Isanti County has had 8 natural disasters declared since 1953, most often floods and severe storms.

Around Oxford

Oxford and the towns around it

Very lowLowModerateHighVery high

Stacymostly inland floodingHigh

Athensmostly inland floodingModerate

Oxfordmostly inland floodingModerate

Linwoodmostly inland floodingModerate

North Branchmostly 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. Oxford 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 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.

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.