Natural Disaster Risk in Oakland
Maryland
Risk Summary for Oakland
Oakland scores 5.2/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Avalanche.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
π What this means for insurance
Average risk β standard coverage usually sufficient
This area carries average natural disaster risk. A standard homeowners or renters policy should cover common events, but review the exclusions for floods and earthquakes, which are almost never included by default.
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: Oakland, Maryland
Located along the mid-Atlantic coast in Garrett County, Oakland is a city of approximately 13,691 residents. The humid subtropical climate that characterizes this part of Maryland β marked by warm summers, mild winters, and coastal storm exposure β directly influences the types and severity of natural hazards present, making Oakland a community where hazard awareness has real practical value.
FEMA rates Oakland's composite natural disaster risk at 5.2 out of 10 β moderate risk. Avalanche risk is the dominant natural hazard, with steep mountain terrain and heavy seasonal snowpack creating conditions for dangerous snow slides in and around the area. Residents should also account for landslide and hurricane risk in their preparedness planning.
Relative to other U.S. communities, Oakland's natural disaster risk is above the U.S. national average of 4.5/10, slightly below the 6.5/10 state average. The hazard distribution here is led by avalanche and landslide, as measured by FEMA across Garrett County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
With a moderate risk rating, Oakland residents are well-served by maintaining standard preparedness practices β an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for avalanche is recommended.
What this means for Oakland: Avalanche preparedness
- Be aware of slope angles and recent snow loading, which drive avalanche risk.
- Properties in runout zones may require specialized hazard assessment and insurance.
- Check avalanche forecasts before backcountry travel and carry a beacon, probe, and shovel.
Local Factors for Oakland
These city-level factors differentiate Oakland from other communities in Garrett County and provide geographic context for its hazard exposure.
Population
13,691
SuburbanGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Moderate Continental
Latitude 39.4Β°
Flood Terrain
Minimal β county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower β moist climate limits wildfire frequency
Fire score: 4.0/10
Coordinates
39.3911Β° N, 79.3909Β° W
Garrett County
Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.
Recent Climate Data for Oakland
Last 12 months Β· Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Oakland
Other cities in Maryland
Data source: FEMA National Risk Index (NRI). Scores normalized to 1β10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.