Natural hazards · White Oak

White Oak, PA 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 9 claims here since 2004. 1 federal disaster brought FEMA money into town.

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 32% of U.S. communities, mostly from inland flooding.

Inland flooding80%Cold waves11%Everything else10%

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

80% of expected damage

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

Recorded about 7 times a year in the area

Cold waves

11% of expected damage

Below average · higher than 38% of U.S. places

Recorded about 3 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningAvalanches

Not a risk here

Coastal floodingDroughtTsunamisVolcanic 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.

9paid claims since 2004

$68Kpaid to owners

1homes flooded more than once

20042026

Biggest named events

Tropical Storm Ivan: 2 claims, $23K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

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: Allegheny County.

Disasters that hit White Oak

1 federal disaster brought FEMA money here

Disasters the President declared that paid out in White Oak itself: aid to households, or repair grants to the Borough of White Oak.

Brought FEMA money into White OakDeclared for Allegheny County only

2004

Tropical Depression Ivan

21 households applied for aid $48K aid approved

Allegheny County has had 16 natural disasters declared since 1953, most often floods and severe storms.

Around White Oak

White Oak and the towns around it

Very lowLowModerateHighVery high

McKeesportmostly inland floodingModerate

Elizabethmostly inland floodingModerate

South Versaillesmostly inland floodingModerate

White Oakmostly inland floodingLow

North Versaillesmostly inland floodingVery low

North Huntingdonmostly 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 2 census tracts, combined by population.

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 the Borough of 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 $1.9M 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.