Natural hazards · Osceola

Osceola, NE natural hazards

Most of the natural-hazard damage FEMA expects in Osceola comes from hail, and overall the risk is very high for a U.S. community. Flood insurance has paid 1 claim here since 1985. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Osceola?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Osceola to be higher than in 86% of U.S. communities, mostly from hail and inland flooding.

Hail41%Inland flooding27%Strong wind12%Drought9%Tornadoes6%Everything else5%

By hazard

What Osceola faces

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

Hail

41% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about 7 times a year in the area

Inland flooding

27% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about once every 2 years in the area

Strong wind

12% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about 4 times a year in the area

Drought

9% of expected damage

Recorded about 49 times a year in the area

Tornadoes

6% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about once every 5 years in the area

Lower here

Ice stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesLightning

Not a risk here

Coastal floodingHurricanesAvalanchesTsunamisVolcanic 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 Osceola flood?

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

1paid claims since 1985

$150paid to owners

0homes flooded more than once

19852026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Polk County.

What’s been done with FEMA grants

1storm safe rooms built

Disasters that hit Osceola

2 federal disasters brought FEMA money here

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

Brought FEMA money into OsceolaDeclared for Polk County only

2008

Severe Storms, Tornadoes, and Flooding

$6K to the City of Osceola for repairs

2003

Severe Storms and Tornadoes

$2K to the City of Osceola for repairs

Polk County has had 18 natural disasters declared since 1953, most often severe storms and floods.

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. Osceola 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 Osceola’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Osceola. 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.