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–Not graded
Natural hazards in Oak Shores · FEMA

Storms, floods and disasters in Oak Shores

Oak Shores isn’t graded for hazard risk: Oak Shores has 128 residents; we grade towns of 1,000 or more.

Flood claims
0
paid since 1978 · $0
Disasters paid out here
1
of 23 declared for San Luis Obispo County
By hazard

What Oak Shores faces

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

Wildfire

42%of expected building damage
Well above average · in the top 1% of U.S. census tracts

River and rain flooding

34%of expected building damage
Well above average · higher than 81% of U.S. census tracts
Recorded about once every 2 years in the area

Earthquakes

21%of expected building damage
Well above average · higher than 89% of U.S. census tracts
Smaller shares here
 Landslides top 0% Tornadoes Hail Strong wind Winter storms Heat waves Lightning
FEMA models no building damage here
Coastal floodingHurricanesIce stormsCold wavesAvalanchesTsunamisVolcanic activity

Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.

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 Shores flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Oak Shores. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.

of homes in flood zones are insured
of all homes are insured
No community discount

Oak Shores isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: San Luis Obispo County.
Disasters

1 federal disaster brought FEMA money to Oak Shores

Disasters that paid out in Oak Shores itself (aid to households or repair grants to Oak Shores), newest first, with that year’s flood claims.

  1. 2003Earthquake3 households applied for aid$8K aid approved
Disasters declared, by decade
Paid out in Oak ShoresSan Luis Obispo County only

San Luis Obispo County has had 23 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.

Also 1 FEMA wildfire suppression grant (Fire Management Assistance, not a disaster declaration) for fires in San Luis Obispo County, 2016–2016.

Were you here?

Old photos of Oak Shores after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Oak Shores archive →
Be ready

Get ready for what Oak Shores faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

Wildfire
  • Clear dead leaves and brush within 5 feet of the house.
  • Sign up for local alerts and know two ways out.
  • Keep N95 masks for smoky days.
More from Ready.gov ↗
When the river rises
  • Turn around at flooded roads: a foot of moving water can carry off a car.
  • Flood insurance usually takes 30 days to start, so buy it before the forecast.
  • Keep papers and medicines up high, in a grab-and-go bag.
More from Ready.gov ↗
Earthquakes
  • Drop, cover and hold on.
  • Strap tall furniture and the water heater to the wall.
  • Know how to shut off the gas.
More from Ready.gov ↗
Before you buy or rent
  • Look up the address on FEMA’s flood map.
  • Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
  • Get a flood insurance quote early: policies usually start 30 days after you buy.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Oak Shores

Is Oak Shores in a flood zone?

Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In San Luis Obispo County, 22% of homes in mapped flood zones carry federal flood insurance, and 1.1% of all homes do.

How much is flood insurance in Oak Shores?

FEMA’s Community Rating System list shows no discount for Oak Shores’ flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.

What was the biggest storm in Oak Shores?

By FEMA money that reached Oak Shores, Earthquake (2003): 3 households applied for aid, $8K approved.

Storm stories

Memories, warnings and help from neighbors in Oak Shores.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Oak Shores’ residents lived in the 2020 census; 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. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.