Oxford, NC natural hazards
Most of the natural-hazard damage FEMA expects in Oxford comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 2 claims here since 1985. 7 federal disasters brought FEMA money into town.
FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarationsHow exposed is Oxford?
FEMA expects yearly storm and flood damage to homes and buildings in Oxford to be higher than in 42% of U.S. communities, mostly from inland flooding and hurricanes.
What Oxford faces
Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.
Inland flooding
Hurricanes
Tornadoes
Lower here
Not a risk here
Does Oxford flood?
Every paid claim on a federal flood insurance policy in Oxford, from FEMA’s records.
Biggest named events
- Hurricane Fran: 1 claim, $2K
are insured
are insured
7 federal disasters brought FEMA money here
Disasters the President declared that paid out in Oxford itself: aid to households, or repair grants to the City of Oxford.
Tropical Storm Michael
Severe Winter Storm
Hurricane Isabel
Ice Storm
Severe Ice Storm
Severe Winter Storm
Hurricane Floyd Major Disaster Declarations
How to read this page
FEMA’s expected losses across Oxford total about $1.4M 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.