🌍 ClimateRiskCheck

Natural Disaster Risk in Oakland

New Jersey

7.5out of 10
High Risk

Risk Summary for Oakland

Oakland scores 7.5/10 (High risk), above the U.S. average of 4.5. The leading hazard is Coastal Flooding.

Top Hazards

Coastal Flooding Winter Weather Strong Wind

All 18 Hazard Scores

Coastal Flooding
10.0
Winter Weather
9.9
Strong Wind
9.8
Earthquake
9.7
Extreme Heat
9.7
Lightning
9.7
Hurricane
9.5
Tornado
9.3
Cold Wave
9.3
Ice Storm
8.4
Landslide
6.4
Tsunami
5.4
Volcanic Activity
5.1
Drought
4.5
Avalanche
4.5
Wildfire
3.1
Hail
3.1
Riverine Flooding
1.0

How it compares

Oakland
7.5
New Jersey avg.
7.4
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Above-average risk β€” check your policy limits

Standard homeowners insurance may not fully cover all hazards rated highly in this area. Verify that your policy includes adequate coverage for the top local hazards, and ask your insurer about specific endorsements or separate policies (e.g., flood, earthquake).

This is general information only. Consult a licensed insurance professional for advice specific to your property.

Natural Hazard Profile: Oakland, New Jersey

Oakland, in Bergen County, is a city of approximately 12,740 residents situated along the northeastern Atlantic Seaboard. Its humid subtropical climate brings warm summers, cold winters, and significant coastal storm exposure, and in particular nor'easters, coastal flooding, and tropical storm threats. These conditions collectively define the natural hazard environment that Oakland residents and property owners must navigate.

According to FEMA's National Risk Index, Oakland carries an overall risk score of 7.5/10, placing it in the high category. Coastal flooding is the dominant hazard, with storm surge from tropical systems and nor'easters capable of inundating low-lying shoreline areas well above normal tidal levels. The area also faces notable exposure to winter and wind.

Within New Jersey, Oakland's risk is, near the 7.4/10 state average. Nationally, it ranks well above the U.S. national average of 4.5/10. FEMA's analysis of Bergen County identifies coastal flood as the foremost hazard, followed by winter and wind. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a high natural disaster risk rating, Oakland residents benefit from taking preparedness seriously. Reviewing insurance coverage for coastal flood and secondary hazards, registering for emergency alerts, and maintaining a household emergency kit are practical steps that can significantly reduce impact during a major event.

What this means for Oakland: Coastal Flooding preparedness

  • Elevate utilities and consider flood-resistant construction in low-lying shoreline areas.
  • Coastal flood and storm-surge damage requires separate flood insurance, not standard homeowners coverage.
  • Know your evacuation zone and monitor tidal and surge forecasts during coastal storms.

Local Factors for Oakland

These city-level factors differentiate Oakland from other communities in Bergen County and provide geographic context for its hazard exposure.

Population

12,740

Suburban

Geographic Zone

Atlantic Coast

Hurricane, nor'easter & coastal flood risk

Climate Band

Moderate Continental

Latitude 41.0Β°

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: 3.1/10

Coordinates

41.0314Β° N, 74.2408Β° W

Bergen 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 New Jersey

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.