Photo: 123dieinafire · Public domainOak Grove’s building-damage rate from strong wind is in the top 3% of U.S. census tracts
On FEMA’s National Risk Index, Oak Grove gets a B− for hazard risk: lower expected damage per building than 50% of U.S. towns, #159 of 274 in Minnesota. Most of that expected damage is river and rain flooding (77%). FEMA’s files show no paid flood insurance claims here.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What Oak Grove 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
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.
What’s behind Oak Grove’s grade
River and rain flooding is 77% of the building damage FEMA expects in Oak Grove, and Oak Grove’s rate of river and rain flooding damage is higher than 63% of U.S. census tracts. Strong wind adds 8%, at a rate in the top 3% of U.S. census tracts.
B− #159 of 274 in Minnesota; lower expected damage per building than 50% of U.S. towns (21,298).
Oak Grove’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
The typical Minnesota town has lower expected damage than 57% of U.S. towns; within the state, Oak Grove has more expected damage per building than 58% of Minnesota towns.
In dollars, FEMA expects about $2.6M a year in losses across Oak Grove: $2.0M to buildings, the rest to people and crops.
Does Oak Grove flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Oak Grove. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Oak Grove isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Anoka County.The storms Oak Grove remembers
None of the 9 disasters declared for Anoka County shows FEMA aid or repair money reaching Oak Grove itself in FEMA’s records, so these are its biggest flood-claim years.
Anoka County has had 9 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 Anoka County, 2000–2000.
Oak Grove and its neighbors
Oak Grove is 5th of the 5 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| St. Francis | B+less damage than 66% | river and rain flooding | — |
| Nowthen | Bless damage than 62% | river and rain flooding | 1 |
| Andover | Bless damage than 58% | river and rain flooding | 1 |
| East Bethel | B−less damage than 50% | river and rain flooding | 1 |
| Oak Grove | B−less damage than 50% | river and rain flooding | 0 |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Oak Grove 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.
- 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 Oak Grove
Is Oak Grove at risk for natural disasters?
On FEMA’s National Risk Index, Oak Grove has lower expected damage per building than 50% of U.S. towns: B− for hazard risk, #159 of 274 in Minnesota. Most of the expected damage is river and rain flooding (77%) and strong wind (8%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Oak Grove 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 Anoka County, 7% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Oak Grove?
FEMA’s Community Rating System list shows no discount for Oak Grove’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Oak Grove at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (77%), and Oak Grove’s rate for it is higher than 63% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Oak Grove.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Oak Grove’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.