Property Atlas

County hazard profile

Osage, OK

Oklahoma · pop. 45,705 · FIPS 40113

Relatively Low
FEMA risk rating · RATING
Ice Storm
dominant hazard
$28M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Osage $28M

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 Low 78.09/100
national median ~50 higher than 78% of counties
Social vulnerabilityVery High 80.92/100
national median ~50 higher than 81% of counties
Community resilienceRelatively Low 35.91/100
national median ~50 lower than most counties (36th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Osage

The National Flood Insurance Program has paid 96 flood-insurance claims totaling $1.2M in Osage since 1980. The costliest year was 2019 ($406K paid).

Flood-insurance dollars paid by year of loss

1980: $541 paid 1985: $59,147 paid 1986: $226,042 paid 1988: $20,699 paid 1990: $26,952 paid 1991: $57,186 paid 1993: $87,801 paid 1994: $607 paid 1995: $19,824 paid 1996: $3,109 paid 1997: $22,396 paid 1998: $12,842 paid 1999: $451 paid 2000: $5,102 paid 2001: $0 paid 2002: $5,049 paid 2004: $464 paid 2007: $35,474 paid 2008: $19,241 paid 2009: $2,203 paid 2012: $53,526 paid 2013: $42,869 paid 2016: $0 paid 2017: $32,360 paid 2019: $405,578 paid 2021: $3,178 paid 2025: $29,218 paid 2019 · $406K 1980 2025
$1.2M
total paid
$12,207
average claim
$133K
largest single claim
81%
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, OK 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.