Property Atlas

County hazard profile

Osceola, MI

Michigan · pop. 22,885 · FIPS 26133

Very Low
FEMA risk rating · RATING
Winter Weather
dominant hazard
$6M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Osceola $6M

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 indexVery Low 23.92/100
national median ~50 among the lowest nationally
Social vulnerabilityRelatively High 73.89/100
national median ~50 near the national middle (74th percentile)
Community resilienceRelatively High 72.26/100
national median ~50 near the national middle (72nd percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Osceola

The National Flood Insurance Program has paid 66 flood-insurance claims totaling $1.6M in Osceola since 1989. The costliest year was 2014 ($1.1M paid).

Flood-insurance dollars paid by year of loss

1989: $51,879 paid 1990: $8,730 paid 1991: $1,979 paid 1992: $0 paid 2001: $0 paid 2003: $0 paid 2004: $3,721 paid 2005: $6,588 paid 2006: $408 paid 2011: $4,476 paid 2013: $10,593 paid 2014: $1,084,092 paid 2018: $3,228 paid 2020: $6,809 paid 2024: $0 paid 2026: $422,392 paid 2014 · $1.1M 1989 2026
$1.6M
total paid
$24,317
average claim
$139K
largest single claim
59%
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, MI 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.