Natural hazards · Oakville

Oakville, MO natural hazards

Most of the natural-hazard damage FEMA expects in Oakville comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 32 claims here since 1979. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Oakville?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Oakville to be higher than in 74% of U.S. communities, mostly from inland flooding and heat waves.

Inland flooding41%Heat waves33%Earthquakes11%Cold waves5%Everything else10%

By hazard

What Oakville faces

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

Inland flooding

41% of expected damage

Well above average · higher than 84% of U.S. places

Recorded about 3 times a year in the area

Heat waves

33% of expected damage

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

Recorded about 15 times a year in the area

Earthquakes

11% of expected damage

Well above average · higher than 81% of U.S. places

Cold waves

5% of expected damage

Well below average · higher than 17% of U.S. places

Recorded about 2 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherWildfireLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic 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 Oakville flood?

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

32paid claims since 1979

$404Kpaid to owners

0homes flooded more than once

19792026

Biggest named events

Midwest Flooding: 6 claims, $75K
Late spring storms: 4 claims, $63K
Hurricane Ike: 3 claims, $16K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Oakville 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 Oakville

2 federal disasters brought FEMA money here

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

Brought FEMA money into OakvilleDeclared for St. Louis County only

2025

Severe Storms, Straight-Line Winds, Tornadoes, and Wildfires

1 household applied for aid $770 aid approved

2015

Severe Storms, Tornadoes, Straight-Line Winds, and Flooding

3 households applied for aid $34K aid approved

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

Around Oakville

Oakville and the towns around it

Very lowLowModerateHighVery high

Oakvillemostly inland floodingHigh

Mehlvillemostly heat wavesHigh

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. Oakville covers 9 census tracts, combined by population.

Money that reached townFlood claims are matched to Oakville’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Oakville. 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 Oakville total about $30.3M 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.