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 moderate for a U.S. community. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is White Oak?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in White Oak to be higher than in 48% of U.S. communities, mostly from inland flooding and drought.

Inland flooding33%Drought20%Tornadoes16%Cold waves11%Heat waves7%Everything else12%

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

33% of expected damage

Above average · higher than 56% of U.S. places

Recorded about once every 2 years in the area

Drought

20% of expected damage

Recorded about 18 times a year in the area

Tornadoes

16% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about once every 5 years in the area

Cold waves

11% of expected damage

Well above average · higher than 77% of U.S. places

Recorded about 5 times a year in the area

Heat waves

7% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about 9 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireEarthquakesLandslidesStrong windLightning

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 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: Harrison County.

Disasters that hit White Oak

3 federal disasters brought FEMA money here

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

Brought FEMA money into White OakDeclared for Harrison County only

2019

Severe Storms, Tornadoes, and Flooding

$101K to the Township of White Oak for repairs

2015

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

$64K to the Township of White Oak for repairs

2014

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

$48K to the Township of White Oak for repairs

Harrison County has had 16 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

Athensmostly inland floodingHigh

Bethanymostly inland floodingModerate

White Oakmostly inland floodingModerate

Dallasmostly inland floodingModerate

Butlermostly 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.