Storms, floods and disasters in Vassar
Vassar isn’t graded for hazard risk: Vassar has 832 residents; we grade towns of 1,000 or more. Flood insurance has paid 5 claims here since 2007.
What Vassar faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
River and rain flooding
Tornadoes
Hail
Wildfire
Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.
Does Vassar flood? Rarely: 5 flood claims since 2007
Every paid claim on a federal flood insurance policy in Vassar, from FEMA’s records.
- The Thunderstorms1 claim · $30K
Vassar isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Osage County.2 federal disasters brought FEMA money to Vassar
Disasters that paid out in Vassar itself (aid to households or repair grants to Vassar), newest first, with that year’s flood claims.
- 2007Severe Storms and Flooding1 households applied for aid$948 aid approved
- 2007Severe Storms, Tornadoes, and Flooding1 households applied for aid$615 aid approved
Osage County has had 22 natural disasters declared by the President since 1953, most often severe storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Vassar after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Vassar archive →Vassar and its neighbors
How expected damage per building compares across the town line. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Junction Township | C+more damage than 58% | river and rain flooding | 5 |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Vassar faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- Park in a garage or under cover when storms are forecast.
- Stay away from windows while it falls.
- Photograph roof and car damage for your insurer.
- Clear dead leaves and brush within 5 feet of the house.
- Sign up for local alerts and know two ways out.
- Keep N95 masks for smoky days.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Vassar
Does Vassar flood?
Flood insurance has paid 5 claims in Vassar since 2007, $81K in all. The most claims came from Thunderstorms (1).
Is Vassar in a flood zone?
Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Osage County, 5% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Vassar?
FEMA’s Community Rating System list shows no discount for Vassar’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Vassar?
By FEMA money that reached Vassar, Severe Storms and Flooding (2007): 1 households applied for aid, $948 approved. By flood claims, Thunderstorms: 1 paid, $30K.
Storm stories
Memories, warnings and help from neighbors in Vassar.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Vassar’s residents lived in the 2020 census; 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. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.