Natural hazards · Oaks

Oaks, MO natural hazards

Most of the natural-hazard damage FEMA expects in Oaks comes from cold waves, and overall the risk is low for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Oaks?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Oaks to be higher than in 25% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves31%Inland flooding25%Tornadoes21%Heat waves14%Hail5%Everything else3%

By hazard

What Oaks faces

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

Cold waves

31% of expected damage

Above average · higher than 65% of U.S. places

Recorded about 3 times a year in the area

Inland flooding

25% of expected damage

Below average · higher than 32% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

21% of expected damage

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

Heat waves

14% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about 15 times a year in the area

Hail

5% of expected damage

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

Recorded about 9 times a year in the area

Lower here

Ice stormsWinter weatherWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingHurricanesDroughtAvalanchesTsunamisVolcanic 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 Oaks flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Clay County.

Disasters that hit Oaks

1 federal disaster brought FEMA money here

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

Brought FEMA money into OaksDeclared for Clay County only

2002

Severe Winter Ice Storm

$8K to the Village of Oaks for repairs

Clay County has had 23 natural disasters declared since 1953, most often severe storms and floods.

Around Oaks

Oaks and the towns around it

Very lowLowModerateHighVery high

Oaksmostly cold wavesLow

Oakwoodmostly cold wavesLow

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. Oaks 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 Oaks’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Oaks. 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.