Natural hazards · Osceola

Osceola, IN natural hazards

Most of the natural-hazard damage FEMA expects in Osceola comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 2 claims here since 2008. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Osceola?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Osceola to be higher than in 19% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding49%Cold waves26%Tornadoes11%Everything else14%

By hazard

What Osceola 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

Below average · higher than 38% of U.S. places

Recorded about once every 2 years in the area

Cold waves

26% of expected damage

Above average · higher than 56% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

11% of expected damage

Above average · higher than 61% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Osceola flood?

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

2paid claims since 2008

$33Kpaid to owners

0homes flooded more than once

20082026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: St. Joseph County.

Disasters that hit Osceola

4 federal disasters brought FEMA money here

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

Brought FEMA money into OsceolaDeclared for St. Joseph County only

2018

Severe Storms and Flooding

92 households applied for aid $122K aid approved

2009

Severe Storms, Tornadoes, and Flooding

1 household applied for aid $1K aid approved

2008

Severe Storms and Flooding

36 households applied for aid $19K aid approved

2005

Severe Winter Storms and Flooding

1 household applied for aid

St. Joseph County has had 14 natural disasters declared since 1953, most often winter storms and severe storms.

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. Osceola is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Osceola’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Osceola. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

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.

Osceola, IN natural hazards

How exposed is Osceola?

What Osceola faces

Inland flooding

Cold waves

Tornadoes

Lower here

Not a risk here

Does Osceola flood?

4 federal disasters brought FEMA money here

Severe Storms and Flooding

Severe Storms, Tornadoes, and Flooding

Severe Storms and Flooding

Severe Winter Storms and Flooding

How to read this page

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