Natural hazards · White Oak

White Oak, MO natural hazards

Most of the natural-hazard damage FEMA expects in White Oak comes from inland flooding, and overall the risk is high for a U.S. community.

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

Expected damage

How exposed is White Oak?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in White Oak to be higher than in 60% of U.S. communities, mostly from inland flooding.

Inland flooding55%Tornadoes10%Cold waves9%Drought9%Strong wind5%Everything else13%

By hazard

What White Oak faces

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

Inland flooding

55% of expected damage

Above average · higher than 72% of U.S. places

Recorded about 5 times a year in the area

Tornadoes

10% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about once every 8 years in the area

Cold waves

9% of expected damage

Below average · higher than 42% of U.S. places

Recorded about 2 times a year in the area

Drought

9% of expected damage

Recorded about 12 times a year in the area

Strong wind

5% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about 5 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

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 White Oak flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Henry County.

Disasters that hit White Oak

Federal disasters declared here

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

Brought FEMA money into White OakDeclared for Henry County only

Henry County has had 17 natural disasters declared since 1953, most often severe storms and ice storms.

Around White Oak

White Oak and the towns around it

Very lowLowModerateHighVery high

Mingomostly inland floodingHigh

White Oakmostly inland floodingHigh

Bogardmostly inland floodingHigh

Honey Creekmostly inland floodingHigh

Walkermostly 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. White Oak 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 White Oak’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of White Oak. 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.