Natural hazards · Oshkosh

Oshkosh, NE natural hazards

Most of the natural-hazard damage FEMA expects in Oshkosh comes from drought, and overall the risk is moderate 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 Oshkosh?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Oshkosh to be higher than in 55% of U.S. communities, mostly from drought and inland flooding.

Drought28%Inland flooding20%Lightning16%Hail14%Cold waves7%Tornadoes5%Everything else10%

By hazard

What Oshkosh faces

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

Drought

28% of expected damage

Recorded about 77 times a year in the area

Inland flooding

20% of expected damage

Above average · higher than 50% of U.S. places

Recorded about once every 4 years in the area

Lightning

16% of expected damage

Well above average · higher than 98% of U.S. places

Hail

14% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about 6 times a year in the area

Cold waves

7% of expected damage

Above average · higher than 61% of U.S. places

Recorded about 5 times a year in the area

Tornadoes

5% of expected damage

Well above average · higher than 75% of U.S. places

Recorded about once a year in the area

Lower here

Ice stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong wind

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 Oshkosh flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Garden County.

Disasters that hit Oshkosh

1 federal disaster brought FEMA money here

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

Brought FEMA money into OshkoshDeclared for Garden County only

2026

Wildfires

$16K to the City of Oshkosh for repairs

Garden County has had 9 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. Oshkosh 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 Oshkosh’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Oshkosh. 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.