Photo: User:Dincher · CC BY-SA 3.0Storms, floods and disasters in Osceola Township
Osceola Township isn’t graded for hazard risk: Osceola Township has 742 residents; we grade towns of 1,000 or more. Flood insurance has paid 13 claims here since 1982.
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
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? Sometimes: 13 flood claims since 1982
Every paid claim on a federal flood insurance policy in Osceola Township, from FEMA’s records.
- Hurricane Debby1 claim · $99K
- Tropical Storm Ivan1 claim · $1K
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: Tioga County.3 federal disasters brought FEMA money to Osceola Township
Disasters that paid out in Osceola Township itself (aid to households or repair grants to Osceola Township), newest first, with that year’s flood claims.
- 2024Tropical Storm Debby7 households applied for aid$38K aid approved1 flood claim paid for it, $99K
- 2004Tropical Depression Ivan9 households applied for aid$9K aid approved1 flood claim paid for it, $1K
- 2003Severe Storms, Tornadoes, and Flooding2 households applied for aid$2K aid approved
Tioga County has had 16 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 |
|---|---|---|---|
| Elkland | C−more damage than 77% | river and rain flooding | 4 |
| Deerfield Township | — | 567 residents; we grade 1,000+ | |
| Nelson Township | — | 566 residents; we grade 1,000+ | |
| Farmington Township | — | 798 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.
- 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 13 claims in Osceola Township since 1982, $292K in all. 2 properties have flooded more than once. The most claims came from Hurricane Debby (1).
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 Tioga County, 22% of homes in mapped flood zones carry federal flood insurance, and 1.3% of all homes do.
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 FEMA money that reached Osceola Township, Tropical Storm Debby (2024): 7 households applied for aid, $38K approved. By flood claims, Hurricane Debby: 1 paid, $99K.
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.