Natural hazards · Oak Grove

Oak Grove, VA natural hazards

Most of the natural-hazard damage FEMA expects in Oak Grove comes from inland flooding, and overall the risk is very low for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Oak Grove?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Oak Grove to be higher than in 0% of U.S. communities, mostly from inland flooding.

Inland flooding48%Tornadoes12%Hurricanes10%Earthquakes9%Heat waves8%Everything else14%

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

48% of expected damage

Well below average · higher than 1% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

12% of expected damage

Above average · higher than 50% of U.S. places

Hurricanes

10% of expected damage

Above average · higher than 66% of U.S. places

Recorded about once every 10 years in the area

Earthquakes

9% of expected damage

Above average · higher than 51% of U.S. places

Heat waves

8% of expected damage

Below average · higher than 43% of U.S. places

Recorded about 5 times a year in the area

Lower here

HailIce stormsWinter weatherCold 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: Loudoun County.

Disasters that hit Oak Grove

1 federal disaster brought FEMA money here

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

Brought FEMA money into Oak GroveDeclared for Loudoun County only

2003

Hurricane Isabel

1 household applied for aid

Loudoun County has had 13 natural disasters declared since 1953, most often winter storms and hurricanes.

Around Oak Grove

Oak Grove and the towns around it

Very lowLowModerateHighVery high

Herndonmostly inland floodingVery low

Sterlingmostly inland floodingVery low

Oak Grovemostly 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 covers 1 census tract, combined by population.

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.

FEMA’s expected losses across Oak Grove total about $426K 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.