Natural hazards · Osolo

Osolo, IN natural hazards

Most of the natural-hazard damage FEMA expects in Osolo comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 3 claims here since 1981.

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

Expected damage

How exposed is Osolo?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Osolo to be higher than in 10% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding51%Cold waves21%Tornadoes13%Strong wind6%Everything else10%

By hazard

What Osolo faces

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

Inland flooding

51% of expected damage

Well below average · higher than 22% of U.S. places

Recorded about once every 3 years in the area

Cold waves

21% of expected damage

Below average · higher than 46% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

13% of expected damage

Above average · higher than 64% of U.S. places

Strong wind

6% of expected damage

Below average · higher than 40% of U.S. places

Recorded about 4 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightningDrought

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 Osolo flood?

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

3paid claims since 1981

$38Kpaid to owners

0homes flooded more than once

19812026

Biggest named events

Hurricane Ike: 1 claim, $24K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Elkhart County.

Disasters that hit Osolo

Federal disasters declared here

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

Brought FEMA money into OsoloDeclared for Elkhart County only

Elkhart County has had 11 natural disasters declared since 1953, most often winter storms and floods.

Around Osolo

Osolo and the towns around it

Very lowLowModerateHighVery high

Concordmostly inland floodingVery low

Ontwamostly inland floodingVery low

Osolomostly inland floodingVery low

Masonmostly inland floodingVery low

Washingtonmostly inland floodingVery low

Clevelandmostly inland floodingVery low

Simonton Lakemostly inland floodingVery low

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. Osolo covers 6 census tracts, combined by population.

Money that reached townFlood claims are matched to Osolo’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Osolo. 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 Osolo total about $7.2M 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.