Natural hazards · Oaks

Oaks, OK natural hazards

Most of the natural-hazard damage FEMA expects in Oaks comes from inland flooding, and overall the risk is high 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 Oaks?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Oaks to be higher than in 79% of U.S. communities, mostly from inland flooding.

Inland flooding48%Tornadoes15%Heat waves9%Cold waves8%Wildfire6%Ice storms6%Everything else9%

By hazard

What Oaks faces

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

Inland flooding

48% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about once a year in the area

Tornadoes

15% of expected damage

Above average · higher than 74% of U.S. places

Recorded about once every 5 years in the area

Heat waves

9% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about 17 times a year in the area

Cold waves

8% of expected damage

Below average · higher than 45% of U.S. places

Recorded about 2 times a year in the area

Wildfire

6% of expected damage

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

Ice storms

6% of expected damage

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

Recorded about 2 times a year in the area

Lower here

HurricanesHailWinter weatherEarthquakesLandslidesLightning

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 Oaks flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Delaware County.

What’s been done with FEMA grants

1storm safe rooms built

Disasters that hit Oaks

3 federal disasters brought FEMA money here

Disasters the President declared that paid out in Oaks itself: aid to households, or repair grants to the Town of Oaks.

Brought FEMA money into OaksDeclared for Delaware County only

2015

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

1 household applied for aid $1K aid approved

2007

Severe Winter Storms

$28K to the Town of Oaks for repairs

2006

Severe Storms and Tornadoes

4 households applied for aid $12K aid approved

Delaware County has had 26 natural disasters declared since 1953, most often severe storms and ice storms.

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. Oaks 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 Oaks’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Oaks. 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.