Natural hazards · Oakdale

Oakdale, TN natural hazards

Most of the natural-hazard damage FEMA expects in Oakdale comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 2 claims here since 1979. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Oakdale?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Oakdale to be higher than in 57% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding42%Cold waves26%Tornadoes12%Strong wind9%Everything else11%

By hazard

What Oakdale faces

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

Inland flooding

42% of expected damage

Above average · higher than 73% of U.S. places

Recorded about once a year in the area

Cold waves

26% of expected damage

Well above average · higher than 84% of U.S. places

Recorded about once a year in the area

Tornadoes

12% of expected damage

Well above average · higher than 79% of U.S. places

Recorded about once every 19 years in the area

Strong wind

9% of expected damage

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

Recorded about 5 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

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 Oakdale flood?

Every paid claim on a federal flood insurance policy in Oakdale, from FEMA’s records.

2paid claims since 1979

$320paid to owners

0homes flooded more than once

19792026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Morgan County.

Disasters that hit Oakdale

1 federal disaster brought FEMA money here

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

Brought FEMA money into OakdaleDeclared for Morgan County only

2002

Severe Storms and Tornados

1 household applied for aid

Morgan County has had 18 natural disasters declared since 1953, most often severe storms and floods.

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