Property Atlas

County hazard profile

Osceola, FL

Florida · pop. 387,795 · FIPS 12097

Relatively Moderate
FEMA risk rating · RATING
Strong Wind
dominant hazard
$118M
modeled expected annual loss/yr

Expected annual loss · all 3,232 U.S. counties

lower than most counties (36th percentile)

national median $15M/yr Osceola $118M

A real dollar distribution: most counties sit far below a handful of high-exposure ones. A FEMA model of annual loss, not a record of disasters.

FEMA national percentile scores

FEMA/CDC score each county 0–100 against all others — the score is the national rank (RATING). Higher risk and vulnerability are worse; higher resilience is better.

FEMA risk indexRelatively Moderate 91.95/100
national median ~50 among the highest nationally
Social vulnerabilityRelatively Low 29.93/100
national median ~50 lower than most counties (30th percentile)
Community resilienceRelatively Low 33.49/100
national median ~50 lower than most counties (33rd percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Osceola

The National Flood Insurance Program has paid 1,031 flood-insurance claims totaling $25.1M in Osceola since 1978. The costliest year was 2022 ($21.2M paid).

Flood-insurance dollars paid by year of loss

1978: $7,348 paid 1979: $0 paid 1983: $0 paid 1984: $9,380 paid 1985: $0 paid 1987: $1,302 paid 1990: $0 paid 1991: $1,366 paid 1994: $11,338 paid 1995: $960 paid 1996: $1,455 paid 1997: $15,262 paid 1998: $746 paid 1999: $0 paid 2000: $0 paid 2001: $0 paid 2002: $16,840 paid 2003: $96,237 paid 2004: $296,198 paid 2005: $83,312 paid 2007: $0 paid 2008: $29,110 paid 2009: $436,865 paid 2010: $5,440 paid 2011: $11,664 paid 2012: $8,974 paid 2013: $27,076 paid 2014: $40,738 paid 2015: $7,329 paid 2016: $17,446 paid 2017: $2,531,023 paid 2018: $0 paid 2019: $0 paid 2020: $129,210 paid 2021: $10,750 paid 2022: $21,193,274 paid 2023: $35,082 paid 2024: $79,216 paid 2025: $0 paid 2026: $0 paid 2022 · $21.2M 1978 2026
$25.1M
total paid
$24,350
average claim
$571K
largest single claim
72%
in high-risk flood zones (A/V)

RECORDED — these are actual paid NFIP claims (a redacted census from OpenFEMA), not a model. They are the realized counterpart to the FEMA risk score above: one is what happened and got paid, the other is what a model predicts.

Scope: these are flood-insurance claims, so they undercount flooding where owners were uninsured — read this as "what NFIP paid here," not "every flood." County-level totals, not a per-property or per-address verdict. Verify a specific address and buy coverage at FloodSmart.gov; the underlying data is OpenFEMA NFIP Redacted Claims.

What these figures mean

  • RATING — the FEMA risk score, expected loss, social vulnerability, and resilience are FEMA/CDC models, not records of disasters that happened. The 0–100 scores are already national percentiles.
  • MEASURED — population is a recorded census figure.
  • COMPUTED — the county's rank within the dollar-loss distribution is our placement over the 3,232 counties.
  • CONTEXT — the note below is framing, not a measurement.

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What this is — and is not

This is FEMA/CDC modeled hazard exposure for Osceola, FL and where it ranks among U.S. counties. It is not a verdict on whether Osceola is a good or bad place to live — hazard exposure is not place quality, and a county can't opt out of its geography. It is not a per-property or per-address risk assessment, not a prediction of any specific disaster, and not insurance advice. For site-specific risk use a per-property assessment; for the underlying model see FEMA National Risk Index.