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Natural hazards · Osage

Osage, IA natural hazards

Most of the natural-hazard damage FEMA expects in Osage comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 2 claims here since 2013. 7 federal disasters brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations
Expected damage

How exposed is Osage?

55
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Osage to be higher than in 55% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding49%Tornadoes27%Strong wind11%Cold waves5%Everything else9%
By hazard

What Osage faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

49% of expected damage
Above average · higher than 65% of U.S. places
Recorded about once a year in the area

Tornadoes

27% of expected damage
Well above average · higher than 98% of U.S. places

Strong wind

11% of expected damage
Well above average · higher than 96% of U.S. places
Recorded about 4 times a year in the area

Cold waves

5% of expected damage
Above average · higher than 69% of U.S. places
Recorded about 10 times a year in the area

Lower here

HailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightningDrought

Not a risk here

Coastal floodingHurricanesAvalanchesTsunamisVolcanic activity
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 Osage flood?

Every paid claim on a federal flood insurance policy in Osage, from FEMA’s records.

2paid claims since 2013
$28Kpaid to owners
0homes flooded more than once
20132026

Biggest named events

  • June Midwest Flooding: 1 claim, $24K
of homes in flood zones
are insured
of all homes
are insured
No community discount. Osage isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Mitchell County.
Disasters that hit Osage

7 federal disasters brought FEMA money here

Disasters the President declared that paid out in Osage itself: aid to households, or repair grants to the City of Osage.

Brought FEMA money into OsageDeclared for Mitchell County only
2024

Severe Storms, Flooding, Straight-Line Winds, and Tornadoes

$36K to the City of Osage for repairs
2019

Severe Storms and Flooding

$8K to the City of Osage for repairs
2016

Severe Storms and Flooding

$18K to the City of Osage for repairs
2013

Severe Storms, Tornadoes, and Flooding

$12K to the City of Osage for repairs
2008

Severe Storms, Tornadoes, and Flooding

36 households applied for aid $57K aid approved $54K to the City of Osage for repairs
2004

Severe Storms, Tornadoes, and Flooding

15 households applied for aid $9K aid approved $28K to the City of Osage for repairs
1999

Severe Storms and Flooding

$11K to the City of Osage for repairs
Mitchell County has had 17 natural disasters declared since 1953, most often severe storms and floods.
About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.
Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Osage covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Osage’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the City of Osage. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Osage total about $1.5M 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
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