Natural hazards · Whiteoak

Whiteoak, OH natural hazards

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

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

Expected damage

How exposed is Whiteoak?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Whiteoak to be higher than in 41% of U.S. communities, mostly from inland flooding.

Inland flooding63%Drought10%Tornadoes8%Everything else19%

By hazard

What Whiteoak faces

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

Inland flooding

63% of expected damage

Above average · higher than 63% of U.S. places

Recorded about 2 times a year in the area

Drought

10% of expected damage

Recorded about 4 times a year in the area

Tornadoes

8% of expected damage

Above average · higher than 68% of U.S. places

Recorded about once every 18 years in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong 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 Whiteoak flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Highland County.

Disasters that hit Whiteoak

Federal disasters declared here

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

Brought FEMA money into WhiteoakDeclared for Highland County only

Highland County has had 9 natural disasters declared since 1953, most often severe storms and winter storms.

Around Whiteoak

Whiteoak and the towns around it

Very lowLowModerateHighVery high

Eaglemostly inland floodingModerate

Whiteoakmostly inland floodingModerate

Hamermostly inland floodingModerate

New Marketmostly inland floodingModerate

Claymostly inland floodingModerate

Concordmostly 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. Whiteoak covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Whiteoak’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Whiteoak. 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 Whiteoak total about $2.1M 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.