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Oakland, OregonPhoto: Bruce Fingerhood from Springfield, Oregon, US · CC BY 2.0
–Not graded
Natural hazards in Oakland · FEMA

Storms, floods and disasters in Oakland

Oakland isn’t graded for hazard risk: FEMA’s tract figures aren’t matched to Oakland yet.

Flood claims
0
paid since 1978 · $0
Disasters paid out here
5
of 18 declared for Douglas County
By hazard

What Oakland 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

76%of expected building damage
Above average · higher than 73% of U.S. census tracts
Recorded about once a year in the area

Earthquakes

22%of expected building damage
Well above average · higher than 83% of U.S. census tracts
Smaller shares here
 Wildfire Strong wind Hail Tornadoes Winter storms Ice storms Cold waves Heat waves Landslides Lightning Avalanches top 1% Volcanic activity
FEMA models no building damage here
Coastal floodingHurricanesTsunamis
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts avalanches at 16% of Oakland’s expected losses. Avalanches do little damage to buildings (0.0%), so they aren’t part of the grade.

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 Oakland flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Oakland. 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

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

Insurance rates: Douglas County.
Disasters

5 federal disasters brought FEMA money to Oakland

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

  1. 2025Severe Storms, Flooding, Landslides, and Mudslides$68K to the City of Oakland for repairs
  2. 2020Wildfires and Straight-line Winds162 households applied for aid$3K aid approved$1.3M to the City of Oakland for repairs
  3. 2019Severe Winter Storms, Flooding, Landslides, and Mudslides$521K to the City of Oakland for repairs
  4. 2015Severe Winter Storms, Straight-line Winds, Flooding, Landslides, and Mudslides$2.1M to the City of Oakland for repairs
  5. 2011Severe Winter Storm, Flooding, Mudslides, Landslides, and Debris Flows$2K to the City of Oakland for repairs
Disasters declared, by decade
Paid out in OaklandDouglas County only

Douglas County has had 18 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 5 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Douglas County, 2004–2020.

Were you here?

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

Add to the Oakland archive →
Be ready

Get ready for what Oakland faces

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

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 Oakland

Is Oakland 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 Douglas County, 20% of homes in mapped flood zones carry federal flood insurance, and 1.8% of all homes do.

How much is flood insurance in Oakland?

FEMA’s Community Rating System list shows no discount for Oakland’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 Oakland?

By FEMA money that reached Oakland, Severe Winter Storms, Straight-line Winds, Flooding, Landslides, and Mudslides (2015): $2.1M to the City of Oakland for repairs.

Storm stories

Memories, warnings and help from neighbors in Oakland.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Oakland’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.