Photo: Farragutful · CC BY-SA 4.0Storms, floods and disasters in Oxford Junction
Oxford Junction isn’t graded for hazard risk: Oxford Junction has 461 residents; we grade towns of 1,000 or more. Flood insurance has paid 4 claims here since 2008.
What Oxford Junction faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
River and rain flooding
Tornadoes
Strong wind
Hail
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.
Does Oxford Junction flood? Rarely: 4 flood claims since 2008
Every paid claim on a federal flood insurance policy in Oxford Junction, from FEMA’s records.
- The Storm1 claim · $6K
Oxford Junction isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Jones County.8 federal disasters brought FEMA money to Oxford Junction
Disasters that paid out in Oxford Junction itself (aid to households or repair grants to the City of Oxford Junction), newest first, with that year’s flood claims.
- 2014Severe Storms, Tornadoes, Straight-line Winds, and Flooding$6K to the City of Oxford Junction for repairs2 flood claims paid that year
- 2013Severe Storms, Tornadoes, and Flooding$13K to the City of Oxford Junction for repairs
- 2010Severe Storms, Flooding, and Tornadoes3 households applied for aid$287 aid approved$16K to the City of Oxford Junction for repairs
- 2008Severe Storms, Tornadoes, and Flooding26 households applied for aid$30K aid approved$442K to the City of Oxford Junction for repairs1 flood claim paid that year
- 2007Severe Winter Storm$5K to the City of Oxford Junction for repairs
- 2007Severe Winter Storms$2K to the City of Oxford Junction for repairs
Show all 8
- 2004Severe Storms, Tornadoes, and Flooding3 households applied for aid$3K aid approved$12K to the City of Oxford Junction for repairs
- 1999Severe Storms, Flooding, and Tornadoes$37K to the City of Oxford Junction for repairs
Jones County has had 19 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.
Old photos of Oxford Junction after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Oxford Junction archive →Get ready for what Oxford Junction faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- 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.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- Park in a garage or under cover when storms are forecast.
- Stay away from windows while it falls.
- Photograph roof and car damage for your insurer.
- 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.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Oxford Junction
Does Oxford Junction flood?
Flood insurance has paid 4 claims in Oxford Junction since 2008, $12K in all. 1 properties have flooded more than once. The most claims came from Storm (1).
Is Oxford Junction 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 Jones County, 5% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.
How much is flood insurance in Oxford Junction?
FEMA’s Community Rating System list shows no discount for Oxford Junction’s 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 Oxford Junction?
By FEMA money that reached Oxford Junction, Severe Storms, Tornadoes, and Flooding (2008): 26 households applied for aid, $30K approved, and $442K to the City of Oxford Junction for repairs. By flood claims, Storm: 1 paid, $6K.
Storm stories
Memories, warnings and help from neighbors in Oxford Junction.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Oxford Junction’s 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.