Photo: Nyttend · Public domainOn FEMA’s figures, Whiteoak Township faces about as much hazard damage per building as the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Whiteoak Township gets a B for hazard risk: lower expected damage per building than 56% of U.S. towns. Most of that expected damage is river and rain flooding (83%). 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 Whiteoak Township 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
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 Whiteoak Township’s grade
River and rain flooding is 83% of the building damage FEMA expects in Whiteoak Township, and Whiteoak Township’s rate of river and rain flooding damage is higher than 63% of U.S. census tracts. Next is tornadoes at 8% (higher than 68% of U.S. census tracts).
B lower expected damage per building than 56% of U.S. towns (21,298).
All of Whiteoak Township’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $544K a year in losses across Whiteoak Township: $414K to buildings, the rest to people and crops.
Does Whiteoak Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Whiteoak Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Whiteoak Township isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Highland County.The storms Whiteoak Township remembers
None of the 8 disasters declared for Highland County shows FEMA aid or repair money reaching Whiteoak Township itself in FEMA’s records, so these are its biggest flood-claim years.
Highland County has had 8 natural disasters declared by the President since 1953, most often severe storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Whiteoak Township and its neighbors
Whiteoak Township is 4th 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 |
|---|---|---|---|
| New Market Township | B+less damage than 71% | river and rain flooding | — |
| Concord Township | B+less damage than 69% | river and rain flooding | — |
| Clay Township | Bless damage than 56% | river and rain flooding | — |
| Whiteoak Township | Bless damage than 56% | river and rain flooding | 0 |
| Eagle Township | Bless damage than 56% | river and rain flooding | — |
| Hamer Township | — | 433 residents; we grade 1,000+ | |
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 Whiteoak Township 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.
- 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 Whiteoak Township
Is Whiteoak Township at risk for natural disasters?
On FEMA’s National Risk Index, Whiteoak Township has lower expected damage per building than 56% of U.S. towns: B for hazard risk. Most of the expected damage is river and rain flooding (83%) and tornadoes (8%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Whiteoak Township 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 Highland County, 2% of homes in mapped flood zones carry federal flood insurance, and 0.0% of all homes do.
How much is flood insurance in Whiteoak Township?
FEMA’s Community Rating System list shows no discount for Whiteoak Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Whiteoak Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (83%), and Whiteoak Township’s rate for it is higher than 63% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Whiteoak Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Whiteoak Township’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.