Storms, floods and disasters in Osceola Township
Osceola Township isn’t graded for hazard risk: FEMA’s tract figures aren’t matched to Osceola Township yet. Flood insurance has paid 5 claims here since 2014.
What Osceola Township 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
Strong wind
Tornadoes
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 Osceola Township flood? Rarely: 5 flood claims since 2014
Every paid claim on a federal flood insurance policy in Osceola Township, from FEMA’s records.
- The 2026-04-Flooding2 claims · $9K
Osceola Township isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Osceola County.The storms Osceola Township remembers
None of the 11 disasters declared for Osceola County shows FEMA aid or repair money reaching Osceola Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20143 flood claims paidNo declaration for the county that year
- 20262 flood claims paidThe year of Severe Storms, Tornadoes, and Flooding, declared for Osceola County
Osceola County has had 11 natural disasters declared by the President since 1953, most often floods, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Osceola Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Osceola Township archive →Osceola Township 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 |
|---|---|---|---|
| Evart | A−less damage than 80% | river and rain flooding | — |
| Sylvan Township | Bless damage than 64% | river and rain flooding | 18 |
| Evart Township | C+more damage than 62% | river and rain flooding | 16 |
| Hartwick Township | — | 764 residents; we grade 1,000+ | |
| Cedar Township | — | 561 residents; we grade 1,000+ | |
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 Osceola Township 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.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- 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.
- 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 Osceola Township
Does Osceola Township flood?
Flood insurance has paid 5 claims in Osceola Township since 2014, $217K in all. The most claims came from 2026-04-Flooding (2).
Is Osceola Township 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 Osceola County, 0.4% of all homes carry federal flood insurance.
How much is flood insurance in Osceola Township?
FEMA’s Community Rating System list shows no discount for Osceola Township’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 Osceola Township?
By flood claims, 2026-04-Flooding: 2 paid, $9K.
Storm stories
Memories, warnings and help from neighbors in Osceola Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Osceola Township’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.