Natural hazards · White Oak

White Oak, TX natural hazards

Most of the natural-hazard damage FEMA expects in White Oak comes from tornadoes, and overall the risk is low for a U.S. community. Flood insurance has paid 7 claims here since 1999. 5 federal disasters 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 22% of U.S. communities, mostly from tornadoes and inland flooding.

Tornadoes33%Inland flooding21%Drought13%Cold waves8%Heat waves7%Ice storms5%Everything else13%

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.

Tornadoes

33% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about once every 80 years in the area

Inland flooding

21% of expected damage

Well below average · higher than 11% of U.S. places

Recorded about 2 times a year in the area

Drought

13% of expected damage

Recorded about 22 times a year in the area

Cold waves

8% of expected damage

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

Recorded about once a year in the area

Heat waves

7% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about 19 times a year in the area

Ice storms

5% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about once a year in the area

Lower here

HurricanesHailWinter weatherWildfireEarthquakesLandslidesLightning

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 White Oak flood?

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

7paid claims since 1999

$165Kpaid to owners

1homes flooded more than once

19992026

Biggest named events

Late winter severe storms: 1 claim, $63K

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: Gregg County.

Disasters that hit White Oak

5 federal disasters brought FEMA money here

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

Brought FEMA money into White OakDeclared for Gregg County only

2021

Severe Winter Storms

26 households applied for aid $19K aid approved

2016

Severe Storms, Tornadoes, and Flooding

2 households applied for aid $14K aid approved

2011

Wildfires

3 households applied for aid $28K aid approved

2008

Hurricane Ike

7 households applied for aid $103 aid approved $23K to the City of White Oak for repairs

2000

Severe Winter Ice Storm

$15K to the City of White Oak for repairs

Gregg County has had 17 natural disasters declared since 1953, most often hurricanes and fires.

Around White Oak

White Oak and the towns around it

Very lowLowModerateHighVery high

Longviewmostly tornadoesLow

Clarksville Citymostly tornadoesLow

White Oakmostly tornadoesLow

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 1 census tract, 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 City 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 $2.7M 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.