Natural hazards · White Oak

White Oak, OK natural hazards

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

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

Expected damage

How exposed is White Oak?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in White Oak to be higher than in 83% of U.S. communities, mostly from inland flooding and ice storms.

Inland flooding38%Ice storms17%Tornadoes13%Cold waves13%Heat waves6%Strong wind5%Everything else7%

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

38% of expected damage

Well above average · higher than 82% of U.S. places

Recorded about once a year in the area

Ice storms

17% of expected damage

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

Recorded about once a year in the area

Tornadoes

13% of expected damage

Well above average · higher than 94% of U.S. places

Recorded about once every 3 years in the area

Cold waves

13% of expected damage

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

Recorded about 2 times a year in the area

Heat waves

6% of expected damage

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

Recorded about 23 times a year in the area

Strong wind

5% of expected damage

Well above average · higher than 85% of U.S. places

Recorded about 7 times a year in the area

Lower here

HurricanesHailWinter weatherWildfireEarthquakesLandslidesLightningDrought

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 White Oak flood?

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

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: Craig County.

Disasters that hit White Oak

Federal disasters declared here

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

Brought FEMA money into White OakDeclared for Craig County only

Craig County has had 24 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. White Oak 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 White Oak’s own flood-insurance community; 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.

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.