Natural hazards · Oakwood

Oakwood, TX natural hazards

Most of the natural-hazard damage FEMA expects in Oakwood comes from drought, and overall the risk is moderate for a U.S. community. Flood insurance has paid 3 claims here since 2012. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Oakwood?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Oakwood to be higher than in 43% of U.S. communities, mostly from drought and cold waves.

Drought30%Cold waves28%Inland flooding22%Tornadoes9%Everything else12%

By hazard

What Oakwood faces

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

Drought

30% of expected damage

Recorded about 34 times a year in the area

Cold waves

28% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about once every 2 years in the area

Inland flooding

22% of expected damage

Above average · higher than 59% of U.S. places

Recorded about once a year in the area

Tornadoes

9% of expected damage

Above average · higher than 74% of U.S. places

Recorded about once every 7 years in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Oakwood flood?

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

3paid claims since 2012

$86Kpaid to owners

1homes flooded more than once

20122026

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. Oakwood isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Leon County.

What’s been done with FEMA grants

5storm safe rooms built

Disasters that hit Oakwood

2 federal disasters brought FEMA money here

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

Brought FEMA money into OakwoodDeclared for Leon County only

2024

Severe Storms, Straight-Line Winds, Tornadoes, and Flooding

50 households applied for aid $212K aid approved

2021

Severe Winter Storms

64 households applied for aid $36K aid approved $5K to the Town of Oakwood for repairs

Leon County has had 24 natural disasters declared since 1953, most often hurricanes 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. Oakwood 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 Oakwood’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Oakwood. 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.