Natural hazards · Osseo

Osseo, WI natural hazards

Most of the natural-hazard damage FEMA expects in Osseo comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 1 claim here since 2015. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Osseo?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Osseo to be higher than in 64% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding57%Cold waves18%Tornadoes8%Hail5%Everything else12%

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

57% of expected damage

Well above average · higher than 82% of U.S. places

Recorded about 3 times a year in the area

Cold waves

18% of expected damage

Below average · higher than 34% of U.S. places

Recorded about 8 times a year in the area

Tornadoes

8% of expected damage

Above average · higher than 70% of U.S. places

Recorded about once every 27 years in the area

Hail

5% of expected damage

Well above average · higher than 86% of U.S. places

Recorded about 4 times a year in the area

Lower here

Ice stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

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 Osseo flood?

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

1paid claims since 2015

$9Kpaid to owners

0homes flooded more than once

20152026

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: Trempealeau County.

Disasters that hit Osseo

2 federal disasters 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 Trempealeau County only

2010

Severe Storms and Flooding

$6K to the City of Osseo for repairs

2004

Severe Storms and Flooding

1 household applied for aid

Trempealeau County has had 13 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. Osseo 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 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.

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.

Osseo, WI natural hazards

How exposed is Osseo?

What Osseo faces

Inland flooding

Cold waves

Tornadoes

Hail

Lower here

Not a risk here

Does Osseo flood?

2 federal disasters brought FEMA money here

Severe Storms and Flooding

Severe Storms and Flooding

How to read this page

Where to, neighbor?

Matches

Nearby