Natural hazards · Oswego

Oswego, IN natural hazards

Most of the natural-hazard damage FEMA expects in Oswego comes from inland flooding, and overall the risk is very low for a U.S. community.

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

Expected damage

How exposed is Oswego?

Very low

vs. U.S. communities

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

Inland flooding46%Tornadoes21%Cold waves17%Strong wind8%Everything else8%

By hazard

What Oswego faces

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

Inland flooding

46% of expected damage

Below average · higher than 26% of U.S. places

Recorded about once every 2 years in the area

Tornadoes

21% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about once every 64 years in the area

Cold waves

17% of expected damage

Below average · higher than 26% of U.S. places

Recorded about 4 times a year in the area

Strong wind

8% of expected damage

Well above average · higher than 86% of U.S. places

Recorded about 5 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 Oswego flood?

FEMA's records show no paid flood insurance claims in Oswego.

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Kosciusko County.

Disasters that hit Oswego

Federal disasters declared here

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

Brought FEMA money into OswegoDeclared for Kosciusko County only

Kosciusko County has had 16 natural disasters declared since 1953, most often severe storms and winter 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. Oswego 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 Oswego’s own flood-insurance community; household aid to the registrant’s city; repair grants to Oswego. 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.