Osprey, FL natural hazards
Most of the natural-hazard damage FEMA expects in Osprey comes from hurricanes, and overall the risk is very high for a U.S. community. Flood insurance has paid 51 claims here since 2020. 10 federal disasters brought FEMA money into town.
FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarationsHow exposed is Osprey?
FEMA expects yearly storm and flood damage to homes and buildings in Osprey to be higher than in 86% of U.S. communities, mostly from hurricanes and inland flooding.
What Osprey faces
Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.
Hurricanes
Inland flooding
Lower here
Not a risk here
Does Osprey flood?
Every paid claim on a federal flood insurance policy in Osprey, from FEMA’s records.
Biggest named events
- Hurricane Helene: 33 claims, $2.6M
- Hurricane Milton: 13 claims, $1.3M
- Hurricane Debby: 4 claims, $81K
are insured
are insured
10 federal disasters brought FEMA money here
Disasters the President declared that paid out in Osprey itself: aid to households, or repair grants to Osprey.
Hurricane Milton
Hurricane Helene
Hurricane Debby
Hurricane Idalia
Hurricane Ian
Hurricane Irma
Tropical Storm Debby
Hurricane Jeanne
Hurricane Frances
Tropical Storm Bonnie and Hurricane Charley
Osprey and the towns around it
How to read this page
FEMA’s expected losses across Osprey total about $5.4M a year, counting buildings, people and crops.
Sources: FEMA National Risk Index (December 2025); 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. Census tracts: U.S. Census Bureau.