Natural hazards · Oak Grove

Oak Grove, MO natural hazards

Most of the natural-hazard damage FEMA expects in Oak Grove comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 6 claims here since 1979. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Oak Grove?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Oak Grove to be higher than in 28% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding38%Tornadoes25%Heat waves19%Cold waves8%Hail7%Everything else4%

By hazard

What Oak Grove faces

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

Inland flooding

38% of expected damage

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

Recorded about 4 times a year in the area

Tornadoes

25% of expected damage

Well above average · higher than 87% of U.S. places

Heat waves

19% of expected damage

Above average · higher than 63% of U.S. places

Recorded about 15 times a year in the area

Cold waves

8% of expected damage

Well below average · higher than 24% of U.S. places

Recorded about 2 times a year in the area

Hail

7% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about 7 times a year in the area

Lower here

Ice stormsWinter weatherWildfireEarthquakesLandslidesStrong windLightningDrought

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 Grove flood?

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

6paid claims since 1979

$5Kpaid to owners

1homes flooded more than once

19792026

Biggest named events

Not a named storm: 2 claims, $1K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Jackson County.

What’s been done with FEMA grants

1storm safe rooms built

Disasters that hit Oak Grove

3 federal disasters brought FEMA money here

Disasters the President declared that paid out in Oak Grove itself: aid to households, or repair grants to the City of Oak Grove.

Brought FEMA money into Oak GroveDeclared for Jackson County only

2019

Severe Storms, Tornadoes, and Flooding

6 households applied for aid $18K aid approved

2010

Severe Storms, Flooding, and Tornadoes

$13K to the City of Oak Grove for repairs

2002

Severe Winter Ice Storm

$135K to the City of Oak Grove for repairs

Jackson County has had 24 natural disasters declared since 1953, most often severe storms and floods.

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 Grove covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Oak Grove’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Oak Grove. 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 Grove total about $2.2M 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.