Natural hazards · White Oak

White Oak, OH natural hazards

Most of the natural-hazard damage FEMA expects in White Oak comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 32 claims here since 1982.

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

Expected damage

How exposed is White Oak?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in White Oak to be higher than in 37% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding46%Tornadoes25%Heat waves12%Cold waves8%Earthquakes5%Everything else4%

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

46% of expected damage

Below average · higher than 48% of U.S. places

Recorded about 5 times a year in the area

Tornadoes

25% of expected damage

Well above average · higher than 95% of U.S. places

Heat waves

12% of expected damage

Below average · higher than 43% of U.S. places

Recorded about 6 times a year in the area

Cold waves

8% of expected damage

Well below average · higher than 24% of U.S. places

Recorded about 2 times a year in the area

Earthquakes

5% of expected damage

Above average · higher than 66% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherWildfireLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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?

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

32paid claims since 1982

$434Kpaid to owners

0homes flooded more than once

19822026

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: Hamilton County.

Disasters that hit White Oak

Federal disasters declared here

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

Brought FEMA money into White OakDeclared for Hamilton County only

Hamilton County has had 15 natural disasters declared since 1953, most often severe storms and floods.

Around White Oak

White Oak and the towns around it

Very lowLowModerateHighVery high

White Oakmostly inland floodingLow

Colerainmostly inland floodingLow

Greenmostly inland floodingLow

Cincinnatimostly inland floodingLow

North College Hillmostly inland floodingLow

Springfieldmostly inland floodingLow

Monfort Heightsmostly inland floodingVery low

Groesbeckmostly inland floodingVery low

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 covers 4 census tracts, combined by population.

Money that reached townFlood claims are matched to White Oak’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to White Oak. 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 White Oak total about $3.9M 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.