Natural hazards · Oakland

Oakland, WI natural hazards

Most of the natural-hazard damage FEMA expects in Oakland comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 3 claims here since 1979.

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 23% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding46%Tornadoes19%Cold waves16%Hail9%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.

Inland flooding

46% of expected damage

Below average · higher than 31% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

19% of expected damage

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

Recorded about once every 30 years in the area

Cold waves

16% of expected damage

Below average · higher than 33% of U.S. places

Recorded about 5 times a year in the area

Hail

9% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about 4 times a year in the area

Lower here

HurricanesIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

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 Oakland flood?

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

3paid claims since 1979

$13Kpaid to owners

0homes flooded more than once

19792026

Biggest named events

Tropical Storm Erin: 1 claim, $6K

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: Jefferson County.

Disasters that hit Oakland

Federal disasters declared here

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

Brought FEMA money into OaklandDeclared for Jefferson County only

Jefferson County has had 12 natural disasters declared since 1953, most often severe storms and floods.

Around Oakland

Oakland and the towns around it

Very lowLowModerateHighVery high

Sumnermostly inland floodingHigh

Jeffersonmostly inland floodingLow

Oaklandmostly inland floodingLow

Lake Millsmostly inland floodingLow

Cambridgemostly inland floodingVery low

Christianamostly 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. Oakland covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Oakland’s own flood-insurance community (here, the census tracts inside it); 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.

FEMA’s expected losses across Oakland total about $1.6M 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.