Natural hazards · Osseo

Osseo, MN natural hazards

Most of the natural-hazard damage FEMA expects in Osseo 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 Osseo?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Osseo to be higher than in 33% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding51%Cold waves19%Tornadoes14%Heat waves7%Hail7%Everything else3%

By hazard

What Osseo 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

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

Recorded about 2 times a year in the area

Cold waves

19% of expected damage

Below average · higher than 37% of U.S. places

Recorded about 9 times a year in the area

Tornadoes

14% of expected damage

Well above average · higher than 76% of U.S. places

Heat waves

7% of expected damage

Below average · higher than 44% of U.S. places

Recorded about 7 times a year in the area

Hail

7% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about 6 times a year in the area

Lower here

Ice stormsWinter weatherWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingHurricanesDroughtAvalanchesTsunamisVolcanic 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 Osseo flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Hennepin County.

Disasters that hit Osseo

1 federal disaster brought FEMA money here

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

Brought FEMA money into OsseoDeclared for Hennepin County only

2016

Severe Storms and Flooding

4 households applied for aid $1K aid approved

Hennepin County has had 15 natural disasters declared since 1953, most often floods and severe storms.

Around Osseo

Osseo and the towns around it

Very lowLowModerateHighVery high

Brooklyn Parkmostly inland floodingModerate

Osseomostly inland floodingLow

Maple Grovemostly inland floodingLow

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. Osseo covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Osseo’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Osseo. 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 Osseo total about $1.1M 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.