Natural hazards · Oceola

Oceola, MI natural hazards

Most of the natural-hazard damage FEMA expects in Oceola comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 2 claims here since 1989.

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

Expected damage

How exposed is Oceola?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Oceola to be higher than in 18% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding43%Tornadoes28%Cold waves15%Strong wind8%Everything else7%

By hazard

What Oceola faces

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

Inland flooding

43% of expected damage

Well below average · higher than 24% of U.S. places

Recorded about once a year in the area

Tornadoes

28% of expected damage

Well above average · higher than 82% of U.S. places

Cold waves

15% of expected damage

Above average · higher than 51% of U.S. places

Recorded about 3 times a year in the area

Strong wind

8% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about 6 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

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 Oceola flood?

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

2paid claims since 1989

$9Kpaid to owners

0homes flooded more than once

19892026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Livingston County.

Disasters that hit Oceola

Federal disasters declared here

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

Brought FEMA money into OceolaDeclared for Livingston County only

Livingston County has had 6 natural disasters declared since 1953, most often floods and winter storms.

Around Oceola

Oceola and the towns around it

Very lowLowModerateHighVery high

Oceolamostly inland floodingVery low

Deerfieldmostly inland floodingVery low

Hartlandmostly inland floodingVery low

Howellmostly inland floodingVery low

Genoamostly inland floodingVery low

Howellmostly 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. Oceola covers 4 census tracts, combined by population.

Money that reached townFlood claims are matched to Oceola’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Oceola. 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 Oceola total about $3.4M 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.