Natural hazards · Oakland

Oakland, MO natural hazards

Most of the natural-hazard damage FEMA expects in Oakland comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 3 claims here since 1990. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Oakland?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Oakland to be higher than in 71% of U.S. communities, mostly from inland flooding and heat waves.

Inland flooding33%Heat waves29%Earthquakes25%Everything else13%

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

33% of expected damage

Above average · higher than 71% of U.S. places

Recorded about 3 times a year in the area

Heat waves

29% of expected damage

Above average · higher than 64% of U.S. places

Recorded about 15 times a year in the area

Earthquakes

25% of expected damage

Well above average · higher than 85% of U.S. places

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesWildfireLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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?

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

3paid claims since 1990

$37Kpaid to owners

1homes flooded more than once

19902026

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. 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: St. Louis County.

Disasters that hit Oakland

1 federal disaster brought FEMA money here

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

Brought FEMA money into OaklandDeclared for St. Louis County only

2006

Severe Storms

$6K to the City of Oakland for repairs

St. Louis County has had 29 natural disasters declared since 1953, most often severe storms and floods.

Around Oakland

Oakland and the towns around it

Very lowLowModerateHighVery high

Oaklandmostly inland floodingHigh

Crestwoodmostly heat wavesHigh

Webster Grovesmostly heat wavesModerate

Kirkwoodmostly heat wavesModerate

Glendalemostly heat wavesModerate

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 City 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.