Property Atlas

County hazard profile

Osage, MO

Missouri · pop. 13,248 · FIPS 29151

Very Low
FEMA risk rating · RATING
Heat Wave
dominant hazard
$12M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Osage $12M

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 32.92/100
national median ~50 lower than most counties (33rd percentile)
Social vulnerabilityRelatively Low 29.64/100
national median ~50 lower than most counties (30th percentile)
Community resilienceVery High 94.75/100
national median ~50 among the highest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Osage

The National Flood Insurance Program has paid 180 flood-insurance claims totaling $3.4M in Osage since 1978. The costliest year was 1993 ($764K paid).

Flood-insurance dollars paid by year of loss

1978: $0 paid 1979: $0 paid 1982: $945 paid 1985: $3,495 paid 1986: $58,326 paid 1990: $8,527 paid 1993: $763,590 paid 1994: $1,604 paid 1995: $182,701 paid 1996: $231 paid 1998: $438 paid 2001: $929 paid 2005: $9,632 paid 2008: $541,592 paid 2011: $31,138 paid 2013: $611,261 paid 2014: $4,001 paid 2015: $366,063 paid 2017: $722,084 paid 2019: $63,068 paid 2022: $10,358 paid 2025: $0 paid 1993 · $764K 1978 2025
$3.4M
total paid
$18,778
average claim
$134K
largest single claim
77%
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 Osage, MO and where it ranks among U.S. counties. It is not a verdict on whether Osage 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.