Natural hazards · Oakland

Oakland, WI natural hazards

Most of the natural-hazard damage FEMA expects in Oakland comes from cold waves, 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 Oakland?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Oakland to be higher than in 21% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves53%Inland flooding37%Everything else10%

By hazard

What Oakland faces

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

Cold waves

53% of expected damage

Above average · higher than 69% of U.S. places

Recorded about 11 times a year in the area

Inland flooding

37% of expected damage

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

Recorded about once every 2 years in the area

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesWildfireLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingHurricanesEarthquakesAvalanchesTsunamisVolcanic 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 Oakland flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Douglas County.

Disasters that hit Oakland

Federal disasters declared here

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

Brought FEMA money into OaklandDeclared for Douglas County only

Douglas County has had 8 natural disasters declared since 1953, most often floods and severe storms.

Around Oakland

Oakland and the towns around it

Very lowLowModerateHighVery high

Oaklandmostly cold wavesLow

Parklandmostly cold wavesLow

Superiormostly cold wavesLow

Gordonmostly cold wavesVery low

Summitmostly cold wavesVery low

Bennettmostly cold wavesVery low

Hawthornemostly cold wavesVery low

Amniconmostly cold wavesVery 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. Oakland 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 Oakland’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Oakland. 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.