Natural hazards · Osco

Osco, IL natural hazards

Most of the natural-hazard damage FEMA expects in Osco comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 1 claim here since 1979.

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

Expected damage

How exposed is Osco?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Osco to be higher than in 39% of U.S. communities, mostly from inland flooding and strong winds.

Inland flooding33%Strong wind22%Tornadoes13%Drought12%Cold waves7%Everything else13%

By hazard

What Osco faces

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

Inland flooding

33% of expected damage

Below average · higher than 34% of U.S. places

Recorded about 2 times a year in the area

Strong wind

22% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about 6 times a year in the area

Tornadoes

13% of expected damage

Well above average · higher than 81% of U.S. places

Recorded about once every 10 years in the area

Drought

12% of expected damage

Recorded about 9 times a year in the area

Cold waves

7% of expected damage

Well below average · higher than 17% of U.S. places

Recorded about 5 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic 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 Osco flood?

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

1paid claims since 1979

$1Kpaid to owners

0homes flooded more than once

19792026

of homes in flood zones
are insured

of all homes
are insured

No community discount. Osco isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Henry County.

Disasters that hit Osco

Federal disasters declared here

None of the disasters declared for Henry County shows FEMA aid or repair money reaching Osco itself in FEMA’s records.

Brought FEMA money into OscoDeclared for Henry County only

Henry County has had 14 natural disasters declared since 1953, most often floods and winter storms.

Around Osco

Osco and the towns around it

Very lowLowModerateHighVery high

Edfordmostly inland floodingModerate

Munsonmostly inland floodingModerate

Westernmostly inland floodingModerate

Lynnmostly inland floodingModerate

Oscomostly inland floodingLow

Andovermostly inland floodingLow

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. Osco covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Osco’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Osco. 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 Osco total about $2.2M 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.