On FEMA’s figures, Oran faces more hazard damage per building than 87% of U.S. towns, mostly from earthquakes
On FEMA’s National Risk Index, Oran gets a D for hazard risk: higher expected damage per building than 87% of U.S. towns. Most of that expected damage is earthquakes (50%), then river and rain flooding (28%). Flood insurance has paid 2 claims here since 2023.
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 Oran faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
Earthquakes
River and rain flooding
Tornadoes
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 Oran’s grade
Earthquakes are 50% of the building damage FEMA expects in Oran, and Oran’s rate of earthquakes damage is in the top 8% of U.S. census tracts. Tornadoes add 10%, at a rate in the top 3% of U.S. census tracts.
D higher expected damage per building than 87% of U.S. towns (21,298).
Oran’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $1.1M a year in losses across Oran: $476K to buildings, the rest to people and crops.
Does Oran flood? Rarely: 2 flood claims since 2023
Every paid claim on a federal flood insurance policy in Oran, from FEMA’s records: 4.1 per 1,000 homes, more than 55% of the 13,809 U.S. towns with a flood insurance record.
Oran isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Scott County.7 federal disasters brought FEMA money to Oran
Disasters that paid out in Oran itself (aid to households or repair grants to the City of Oran), newest first, with that year’s flood claims.
- 2025Severe Storms, Straight-line Winds, Tornadoes, and Flooding6 households applied for aid$1K aid approved$3K to the City of Oran for repairs
- 2025Severe Storms, Straight-line Winds, Tornadoes, and Flooding3 households applied for aid$15K aid approved
- 2024Severe Storms, Straight-line Winds, Tornadoes, and Flooding27 households applied for aid$76K aid approved
- 2011Severe Storms, Tornadoes, and Flooding26 households applied for aid$37K aid approved
- 2009Severe Winter Storm$11K to the City of Oran for repairs
- 2008Severe Storms and Flooding22 households applied for aid$20K aid approved$25K to the City of Oran for repairs
Show all 7
- 2003Severe Storms, Tornadoes, and Flooding1 households applied for aid$6K to the City of Oran for repairs
Scott County has had 25 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 Oran after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Oran archive →Get ready for what Oran faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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.
- 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 Oran
Is Oran at risk for natural disasters?
On FEMA’s National Risk Index, Oran has higher expected damage per building than 87% of U.S. towns: D for hazard risk. Most of the expected damage is earthquakes (50%) and river and rain flooding (28%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Oran flood?
Flood insurance has paid 2 claims in Oran since 2023, $78K in all, or 4.1 per 1,000 homes, more than 55% of U.S. towns with a flood insurance record.
Is Oran 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 Scott County, 26% of homes in mapped flood zones carry federal flood insurance, and 4.1% of all homes do.
How much is flood insurance in Oran?
FEMA’s Community Rating System list shows no discount for Oran’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 Oran?
By FEMA money that reached Oran, Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2024): 27 households applied for aid, $76K approved.
Is Oran at risk from earthquakes?
It is the largest share of the building damage FEMA expects here (50%), and Oran’s rate for it is in the top 8% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Oran.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Oran’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.