Natural hazards · Oscoda

Oscoda, MI natural hazards

Most of the natural-hazard damage FEMA expects in Oscoda comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 8 claims here since 1986. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Oscoda?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Oscoda to be higher than in 16% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding63%Cold waves19%Everything else18%

By hazard

What Oscoda faces

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

Inland flooding

63% of expected damage

Below average · higher than 41% of U.S. places

Recorded about once every 6 years in the area

Cold waves

19% of expected damage

Below average · higher than 48% of U.S. places

Recorded about 2 times a year in the area

Lower here

Coastal floodingHurricanesTornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

DroughtAvalanchesTsunamisVolcanic 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 Oscoda flood?

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

8paid claims since 1986

$74Kpaid to owners

0homes flooded more than once

19862026

Biggest named events

2026-04-Flooding: 3 claims, $29K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Iosco County.

Disasters that hit Oscoda

2 federal disasters brought FEMA money here

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

Brought FEMA money into OscodaDeclared for Iosco County only

2026

Severe Storms, Tornadoes, and Flooding

39 households applied for aid $306K aid approved

2020

Severe Storms and Flooding

5 households applied for aid

Iosco County has had 9 natural disasters declared since 1953, most often floods and winter storms.

Around Oscoda

Oscoda and the towns around it

Very lowLowModerateHighVery high

Au Sablemostly inland floodingLow

Curtismostly inland floodingLow

Oscodamostly inland floodingVery low

Greenbushmostly inland floodingVery low

Mikadomostly inland floodingVery low

Wilbermostly inland floodingVery low

Plainfieldmostly 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. Oscoda covers 3 census tracts, combined by population.

Money that reached townFlood claims are matched to Oscoda’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Oscoda. 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 Oscoda total about $1.6M 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.