Natural hazards · Oak Valley

Oak Valley, TX natural hazards

Most of the natural-hazard damage FEMA expects in Oak Valley comes from tornadoes, and overall the risk is low for a U.S. community.

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

Expected damage

How exposed is Oak Valley?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Oak Valley to be higher than in 27% of U.S. communities, mostly from tornadoes and inland flooding.

Tornadoes32%Inland flooding31%Cold waves15%Heat waves7%Strong wind6%Everything else9%

By hazard

What Oak Valley faces

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

Tornadoes

32% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about once every 27 years in the area

Inland flooding

31% of expected damage

Below average · higher than 26% of U.S. places

Recorded about 2 times a year in the area

Cold waves

15% of expected damage

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

Recorded about once every 2 years in the area

Heat waves

7% of expected damage

Well above average · higher than 76% of U.S. places

Recorded about 16 times a year in the area

Strong wind

6% of expected damage

Well above average · higher than 76% of U.S. places

Recorded about 3 times a year in the area

Lower here

HurricanesHailIce stormsWinter 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 Oak Valley flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Navarro County.

Disasters that hit Oak Valley

Federal disasters declared here

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

Brought FEMA money into Oak ValleyDeclared for Navarro County only

Navarro County has had 21 natural disasters declared since 1953, most often severe storms and fires.

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