Natural hazards · Ossineke

Ossineke, MI natural hazards

Most of the natural-hazard damage FEMA expects in Ossineke comes from inland flooding, and overall the risk is low for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Ossineke?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Ossineke to be higher than in 24% of U.S. communities, mostly from inland flooding.

Inland flooding77%Cold waves13%Everything else10%

By hazard

What Ossineke faces

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

Inland flooding

77% of expected damage

Above average · higher than 54% of U.S. places

Recorded about once every 14 years in the area

Cold waves

13% of expected damage

Below average · higher than 47% of U.S. places

Recorded about 2 times a year in the area

Lower here

HurricanesTornadoesHailIce 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 Ossineke flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Alpena County.

Disasters that hit Ossineke

1 federal disaster brought FEMA money here

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

Brought FEMA money into OssinekeDeclared for Alpena County only

2026

Severe Storms, Tornadoes, and Flooding

3 households applied for aid $13K aid approved

Alpena County has had 5 natural disasters declared since 1953, most often floods and ice storms.

Around Ossineke

Ossineke and the towns around it

Very lowLowModerateHighVery high

Rustmostly inland floodingModerate

Ossinekemostly inland floodingLow

Greenmostly inland floodingLow

Mitchellmostly inland floodingLow

Caledoniamostly inland floodingLow

Wilsonmostly inland floodingVery low

Sanbornmostly 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. Ossineke covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Ossineke’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Ossineke. 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 Ossineke total about $1.0M 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.