Natural hazards · Oxford

Oxford, OH natural hazards

Most of the natural-hazard damage FEMA expects in Oxford comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 4 claims here since 1989. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Oxford?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Oxford to be higher than in 22% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding36%Tornadoes32%Cold waves18%Everything else14%

By hazard

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

36% of expected damage

Well below average · higher than 22% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

32% of expected damage

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

Cold waves

18% of expected damage

Above average · higher than 59% of U.S. places

Recorded about 3 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong 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 Oxford flood?

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

4paid claims since 1989

$242Kpaid to owners

0homes flooded more than once

19892026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Butler County.

Disasters that hit Oxford

2 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.

Brought FEMA money into OxfordDeclared for Butler County only

2008

Severe Wind Storm Associated With Tropical Depression Ike

$165K to the City of Oxford for repairs

2004

Snow

$33K to the City of Oxford for repairs

Butler County has had 12 natural disasters declared since 1953, most often severe storms and floods.

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. Oxford covers 6 census tracts, combined by population.

Money that reached townFlood claims are matched to Oxford’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Oxford. 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 Oxford total about $5.4M 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.