Natural hazards · Oak Hill

Oak Hill, WV natural hazards

Most of the natural-hazard damage FEMA expects in Oak Hill comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 7 claims here since 1985. 9 federal disasters brought FEMA money into town.

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

How exposed is Oak Hill?

8
Very low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Oak Hill to be higher than in 8% of U.S. communities, mostly from inland flooding and lightning.

Inland flooding55%Lightning17%Earthquakes9%Strong wind6%Everything else13%
By hazard

What Oak Hill faces

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

Inland flooding

55% of expected damage
Well below average · higher than 23% of U.S. places
Recorded about 2 times a year in the area

Lightning

17% of expected damage
Above average · higher than 62% of U.S. places

Earthquakes

9% of expected damage
Above average · higher than 61% of U.S. places

Strong wind

6% of expected damage
Well above average · higher than 82% of U.S. places
Recorded about once a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireLandslidesAvalanches

Not a risk here

Coastal floodingDroughtTsunamisVolcanic 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 Hill flood?

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

7paid claims since 1985
$91Kpaid to owners
0homes flooded more than once
19852026
of homes in flood zones
are insured
of all homes
are insured
No community discount. Oak Hill isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Fayette County.
Disasters that hit Oak Hill

9 federal disasters brought FEMA money here

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

Brought FEMA money into Oak HillDeclared for Fayette County only
2024

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

20 households applied for aid $41K aid approved
2016

Severe Storms, Flooding, Landslides, and Mudslides

31 households applied for aid $66K aid approved $4K to the City of Oak Hill for repairs
2012

Severe Storms and Straight-Line Winds

200 households applied for aid $52K aid approved $87K to the City of Oak Hill for repairs
2010

Severe Storms, Flooding, Mudslides, and Landslides

32 households applied for aid $29K aid approved $8K to the City of Oak Hill for repairs
2009

Severe Winter Storm and Snowstorm

$17K to the City of Oak Hill for repairs
2004

Severe Storms, Flooding, and Landslides

22 households applied for aid $32K aid approved
2003

Severe Storms, Flooding, and Landslides

26 households applied for aid $41K aid approved
2003

Severe Winter Storm, Record/Near Record Snow, Heavy Rains, Flooding and Landslides

12 households applied for aid $11K aid approved
2001

Severe Storms, Flooding and Landslides

$40K to the City of Oak Hill for repairs
Fayette County has had 20 natural disasters declared since 1953, most often severe storms and winter storms.
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 Hill covers 2 census tracts, combined by population.
Money that reached townFlood claims are matched to Oak Hill’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Oak Hill. 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 Hill total about $986K 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01