🌍 ClimateRiskCheck

Natural Disaster Risk in Oakland

Maryland

5.2out of 10
Moderate Risk

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

Avalanche Landslide Hurricane

All 18 Hazard Scores

Avalanche
9.2
Landslide
8.0
Hurricane
7.6
Winter Weather
6.9
Drought
6.2
Hail
5.5
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Lightning
4.7
Earthquake
4.1
Wildfire
4.0
Strong Wind
4.0
Cold Wave
3.9
Ice Storm
3.3
Tornado
3.1
Extreme Heat
1.7
Riverine Flooding
1.0

How it compares

Oakland
5.2
Maryland avg.
6.5
US national avg.
4.5

Live Conditions

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🏠 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

Suburban

Geographic 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

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ZIP Codes in Oakland

Other cities in Maryland

Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.