Natural hazards · Oak Grove

Oak Grove, TN natural hazards

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

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

Expected damage

How exposed is Oak Grove?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Oak Grove to be higher than in 66% of U.S. communities, mostly from inland flooding.

Inland flooding81%Earthquakes6%Everything else13%

By hazard

What Oak Grove faces

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

Inland flooding

81% of expected damage

Well above average · higher than 86% of U.S. places

Recorded about once a year in the area

Earthquakes

6% of expected damage

Above average · higher than 71% of U.S. places

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireLandslidesStrong 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 Oak Grove flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Washington County.

Disasters that hit Oak Grove

Federal disasters declared here

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

Brought FEMA money into Oak GroveDeclared for Washington County only

Washington County has had 12 natural disasters declared since 1953, most often severe storms and winter storms.

Around Oak Grove

Oak Grove and the towns around it

Very lowLowModerateHighVery high

Oak Grovemostly inland floodingHigh

Spurgeonmostly inland floodingHigh

Johnson Citymostly 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. Oak Grove 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 Oak Grove’s own flood-insurance community; household aid to the registrant’s city; repair grants to Oak Grove. 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.