FEMA Records
15
Below median
Iowa · FEMA + NOAA + National Risk Index
Osceola County, IA
15 FEMA disaster declarations (1965-2024), with a FEMA National Risk Index rating of Very Low. Most common hazard: Flood.
- 15
- FEMA declarations
- 12
- Major disasters
- 15
- NRI risk · Very Low
- Flood
- Top hazard
The verdict
Osceola County has a nationally busy FEMA history: 15 declarations, more than 23% of counties in this registry. But the state comparison tempers that reading: the total is 22% below the Iowa county mean. FEMA's separate National Risk Index places the county safer than 15%; that score models loss and vulnerability rather than counting declarations.
- Safer than 15%
- of U.S. counties for FEMA National Risk Index score
- Very Low
- FEMA National Risk Index rating
- 15
- FEMA declarations vs 21 national county avg
- 2
- NFIP flood insurance claims filed
FEMA's National Risk Index and its declaration registry are separate measures. This county's registry includes Major Disaster (DR) and Emergency (EM) records; an EM authorizes a narrower set of federal assistance than a DR.
FEMA OpenFEMA declaration desk
County FIPS 19143 · Osceola County 15 declarations · rank 2474/3,266
DECL-MID · MAJOR-HEAVY · RANK-LOWER · PHOTO-FINISH · NRI-LOW · ACT-HIGH · TYPE-LEAD · VS-ST-BELOW
- DECL-MID 15
- MAJOR-HEAVY 80%
- RANK-LOWER #2,474
- PHOTO-FINISH Polk
- NRI-LOW Very Low
- ACT-HIGH High
- TYPE-LEAD Flood
- VS-ST-BELOW -22%
Nearest declaration peer: Polk, OR (0 declaration gap)
FEMA Disaster Declarations Summaries v2 filing stamps for this county register. Read with this county → · Iowa state profile
Osceola County among counties with fewer federal records
FEMA declaration records among Osceola County and nearest peers by total count
- Los Angeles · largest
Los Angeles · largest
88 declarations
- Flathead · near 15
Flathead · near
15 declarations
- Murray · near 15
Murray · near
15 declarations
- Osceola · this county 15
Osceola · this county
15 declarations
- Polk · near 15
Polk · near
15 declarations
- Ujelang · smallest 1
Ujelang · smallest
1 declarations
What this shows Osceola County carries 15 FEMA declaration records, ranked 2474 of 3,266 counties in this registry.
Osceola County versus quieter counties in this dataset
Osceola County among lower-declaration counties nationally
FEMA disaster declarations, all-time · Osceola County
15 23rd percentile higher than 23% of 3,266 counties
Each bar is a band; taller bars hold more counties. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source FEMA Disaster Declarations Summaries v2 · 2026-08-25
Osceola County's FEMA Risk Index score
Which hazard drives modeled loss here?
FEMA's modeled annual dollar loss for Osceola County is led by Riverine Flooding (about $1.7M Expected Annual Loss, Historical Loss Ratio Relatively High), while Hail carries the highest National Risk Index rating (Relatively Moderate). EAL and risk score use different inputs; they need not agree.
Source: FEMA National Risk Index (December 2025 release) - Expected Annual Loss vs composite risk rating by hazard.
What does Osceola County's hazard record show?
FEMA National Risk Index
FEMA's National Risk Index places this county in the low end of the national distribution, composite score 14.9/100 (Very Low). Expected Annual Loss is rated Very Low (roughly $5.5M in annualized losses). Two modifiers shape how that exposure becomes real-world harm here: social vulnerability (Relatively Moderate) and community resilience (Relatively High). Among the 18 modeled hazards, Hail carries the county's highest rating, a mid-range Relatively Moderate. FEMA's modeled frequency puts that hazard at an average of 5.7 times per year here, based on 218 historical events on record.
Reading the federal records together
This county has a small entry in FEMA's NFIP paid-claims table: 2 claims and $21.4K paid in total. PlainHazard calls 1-49 claims a light registry record, a label for this dataset rather than a finding that flood exposure is low. A short claims history can also reflect insurance take-up, the period covered, or losses that were never insured.
Start with the state benchmark: a Iowa county averages 19.3 federal declaration records, while Osceola County has 15. The gap is 22% below that mean. Fewer entries indicate a quieter history of recorded federal actions, not immunity from a hazard and not a prediction about what happens next.
56 /100
Historical Activity Index
High historical activity
Osceola County, IA · PlainHazard-derived composite from federal records
This 0–100 index is an explicit PlainHazard composite from FEMA declaration history only on the county surface (this DB has no county-level NOAA damage row) . It is not FEMA's National Risk Index, not a forecast, and not a safety, insurance, or preparedness rating. Open the calculator · Methodology
FEMA Declarations (1953–present) Moderate
11/30
15 OpenFEMA declarations, full ingest window (0.7x national county average)
County Disaster Density Moderate
10/25
15 declarations (0.8x state county average of 19)
Major Disaster Share Very High
20/25
12 of 15 declarations are major disasters (80%)
Hazard Diversity Very High
15/20
6 different disaster types declared in Osceola County
FEMA NRI 8-hazard radar - Osceola County
How to read this radar
Each axis: NRI risk rating (Very Low-Very High) on a 0-100 scale. Rounder = broad exposure; spiky = one or two hazards dominate.
Major Disaster share
80%
Mostly major
NRI risk score
15
Very Low
Source: FEMA National Risk Index Per-county per-hazard ratings, December 2025 release
How often does each hazard strike Osceola County?
FEMA's National Risk Index models a historical event count and an annualized frequency for each hazard type. Most hazards are expressed as modeled occurrences per year; FEMA expresses drought and heat-wave frequency as event-days per year. These modeled frequencies are not forecasts.
| Hazard | NRI Risk Rating | Recurrence |
|---|---|---|
| Hail | Relatively Moderate | an average of 5.7 times per year |
| Winter Weather | Relatively Moderate | an average of 18 times per year |
| Drought | Relatively Low | 18 modeled event-days per year |
| Cold Wave | Relatively Low | an average of 11 times per year |
| Ice Storm | Relatively Low | an average of 1.1 times per year |
| Tornado | Relatively Low | roughly once every 3 years |
| Strong Wind | Relatively Low | an average of 4 times per year |
| Heat Wave | Very Low | 4.7 modeled event-days per year |
| Landslide | Very Low | roughly once every 25 years |
| Riverine Flooding | Very Low | roughly once every 3 years |
| Lightning | Very Low | an average of 39 times per year |
| Wildfire | Very Low | roughly once every 4,259 years |
| Earthquake | Very Low | roughly once every 2,625 years |
Source: FEMA National Risk Index Modeled annualized frequency; drought and heat wave use event-days/year, December 2025 release
Disaster Types
Flood 6
Severe Storm 4
Biological 2
Snowstorm 1
Hurricane 1
Severe Ice Storm 1
What Flood declarations mean here
Flood is the most frequent declaration type on Osceola County's record, 40% of its declarations. Federal flood declarations cover two mechanisms that behave very differently: riverine flooding, which builds over days as a watershed drains and is usually forecast well in advance, and flash flooding, which can arrive in under an hour from rainfall that fell somewhere upstream.
Flood is also the one hazard class where a second federal dataset exists for the same events. The National Flood Insurance Program records what was actually paid on insured losses, so it measures a narrower thing than the declaration count: uninsured damage, and flooding outside mapped special flood hazard areas, never enters it. Reading the two together is more informative than either alone.
Declaration counts describe past federal action. They are a record of what was declared, not a forecast of future hazard probability.
Declaration Types
What DR / EM / FM mean
FEMA categorizes declarations as Major Disasters (DR), Emergencies (EM), or Fire Management Assistance (FM).
Major Disaster - 12 80.0%
of all 15 declarations
Emergency - 3 20.0%
of all 15 declarations
FEMA Declarations Timeline
| Year | Declarations | |
|---|---|---|
| 2024 | 1 | |
| 2020 | 2 | |
| 2019 | 1 | |
| 2018 | 1 | |
| 2014 | 1 | |
| 2013 | 1 | |
| 2010 | 1 | |
| 2007 | 1 | |
| 2005 | 1 | |
| 1998 | 1 | |
| 1993 | 1 | |
| 1992 | 1 | |
| 1969 | 1 | |
| 1965 | 1 | |
Disaster Declarations
How the 15 FEMA declarations break into federal action codes (DR / EM / FM). Same DISTINCT grain as the table below.
Download these 15 declarations as CSV . FEMA source data is public domain; our derived presentation is CC0.
| DR# | Title | Type | Incident | Date |
|---|---|---|---|---|
| 4796 | SEVERE STORMS, FLOODING, STRAIGHT-LINE WINDS, AND TORNADOES | DR | Severe Storm | 2024-06-24 |
| 4483 | COVID-19 PANDEMIC | DR | Biological | 2020-03-23 |
| 3480 | COVID-19 | EM | Biological | 2020-03-13 |
| 4421 | SEVERE STORMS AND FLOODING | DR | Flood | 2019-03-23 |
| 4386 | SEVERE STORMS, TORNADOES, STRAIGHT-LINE WINDS, AND FLOODING | DR | Severe Storm | 2018-08-20 |
| 4184 | SEVERE STORMS, TORNADOES, STRAIGHT-LINE WINDS, AND FLOODING | DR | Flood | 2014-07-24 |
| 4114 | SEVERE WINTER STORM | DR | Severe Storm | 2013-05-06 |
| 1930 | SEVERE STORMS, FLOODING, AND TORNADOES | DR | Severe Storm | 2010-07-29 |
| 3275 | SNOW | EM | Snowstorm | 2007-03-30 |
| 3239 | HURRICANE KATRINA EVACUATION | EM | Hurricane | 2005-09-10 |
| 1230 | SEVERE STORMS, TORNADOES AND FLOODING | DR | Flood | 1998-07-02 |
| 996 | SEVERE STORMS & FLOODING | DR | Flood | 1993-07-09 |
| 928 | ICE STORM | DR | Severe Ice Storm | 1991-12-26 |
| 259 | FLOODING | DR | Flood | 1969-04-25 |
| 193 | FLOODING | DR | Flood | 1965-04-22 |
Storm Events in Iowa
Statewide NOAA context only. PlainHazard does not currently attribute these state totals to Osceola County.
| Storm Type | Events | Fatalities | Injuries | Property Damage |
|---|---|---|---|---|
| Thunderstorm Wind | 4,928 | 6 | 227 | $40.5M |
| Hail | 3,736 | 0 | 0 | $4.3M |
| Heavy Rain | 2,394 | 0 | 0 | $292.0K |
| Drought | 1,556 | 0 | 0 | $0 |
| Winter Storm | 1,543 | 3 | 4 | $2.8M |
Source: NOAA Storm Events Database State-level aggregated data, 2015-2025
NFIP Flood Insurance Claims
Total Claims
2
Total Paid
$21.4K
Avg Per Claim
$10.7K
Source: FEMA National Flood Insurance Program (NFIP) OpenFEMA Claims Data
FEMA National Risk Index
Overall Risk
Very Low
Score: 14.9/100
Expected Annual Loss
Very Low
$5.5M/year
Social Vulnerability
Relatively Moderate
Community Resilience
Relatively High
Hazard Risk Breakdown
Hail Relatively Moderate
Winter Weather Relatively Moderate
Drought Relatively Low
Cold Wave Relatively Low
Ice Storm Relatively Low
Tornado Relatively Low
Strong Wind Relatively Low
Heat Wave Very Low
Landslide Very Low
Riverine Flooding Very Low
Lightning Very Low
Wildfire Very Low
Earthquake Very Low
Source: FEMA National Risk Index (NRI) Ratings reflect relative scores among all US counties. Data: hazards.fema.gov/nri
The model's sharpest exposure here: Hail
Hail is among the most expensive hazards in the model relative to how little it threatens life. It concentrates on roofs, vehicles and crops, and a single severe storm can generate an insurance loss across a metropolitan area without a single injury.
Worth noting for Osceola County: the model and the federal record do NOT point at the same hazard. Hail carries the highest modeled rating (Relatively Moderate), while the county's declaration history is led by Flood. That is not a contradiction, the two measure genuinely different things. Declarations record federal ACTION, which requires damage costly enough to exceed state and local capacity; the Risk Index models EXPECTED annual loss across all 18 hazards whether or not any declaration ever followed. A hazard can be the county's largest modeled exposure and never once have driven a declaration.
National Risk Index ratings are modeled estimates of expected annual loss, not predictions of what will happen in any given year.
Data-matched county comparisons
Osceola County's closest FEMA peer: Jackson County, IL
Comparisons use published FEMA declaration fields plus the National Risk Index composite for Osceola County. Record similarity, not a safety rating.
Closest declaration profiles
Osceola County shows 15 FEMA declarations, led by Flood.
Similar Major-disaster share
Osceola County: 12 of 15 of its declarations are Major.
Similar modeled NRI score
Osceola County: NRI composite 14.9 (Very Low).
How these peers are chosen
Cohort: Published U.S. county equivalents outside the source state or territory. Each metric keeps six ETL candidates; three unique destinations are shown after de-duplicating across axes. Declaration-volume ranking combines count and Major-disaster share and prefers a different leading incident type; Major-share ranks the Major fraction adjusted for volume; NRI ranks the modeled composite score only.
Retained FEMA snapshot feed for Osceola County - capture-dated entries only.
Compare beyond this state
Nationwide peers by NRI score & FEMA declaration volume
Two PlainHazard-derived comparison paths for Osceola County: nearest out-of-state National Risk Index composite and nearest FEMA declaration count (floor ≥5 records). Record similarity only, not a forecast of the next hazard.
Similar NRI composite
Nearest out-of-state counties by FEMA NRI score. This county: 14.9 (Very Low).
Similar declaration volume
Nearest out-of-state counties by FEMA declaration count. This county: 15. NRI peers are excluded so the two link sets stay distinct.
Further reading for this county
Most disaster-prone counties
With 15 FEMA declarations, Osceola County sits in the high-volume declaration band - see how that count ranks against other U.S. counties.
More PlainHazard guides
- Most disaster-prone counties - U.S. counties ranked by FEMA declaration totals.
- Understanding disaster data - declarations vs storm events vs NRI scores.
- Preparing for natural disasters - household checklist (not county-specific advice).
Frequently Asked Questions
What is the most common disaster type in Osceola County?
The most common disaster type in Osceola County is Flood, with 6 declarations. Other disaster types include Severe Storm (4), Biological (2), Snowstorm (1).
How does Osceola County's FEMA declaration record compare with the Iowa average?
The typical Iowa county has 19.3 FEMA declaration records; Osceola County has 15, or 22% fewer. Against the national county mean of 20.7, this county's total is 28% lower. The comparison is historical and says nothing about the probability of a future event.
How many major FEMA disaster declarations has Osceola County received?
Osceola County has received 12 major disaster declarations, representing 80% of all 15 disaster declarations.
How many flood insurance claims has Osceola County filed?
Osceola County has 2 National Flood Insurance Program (NFIP) claims totaling $21.4K in payments, with an average of $10.7K per claim.
Does FEMA's top risk-rated hazard match the highest Expected Annual Loss in Osceola County?
No. In Osceola County, Hail has the highest National Risk Index rating (Relatively Moderate), while Riverine Flooding leads Expected Annual Loss at about $1.7M. FEMA's risk score and dollar-loss model use different inputs, so the leaders often differ.
What was the worst year for disasters in Osceola County?
The most active year for disaster declarations in Osceola County was 2020, with 2 declarations. The county has FEMA disaster data spanning 1965 to 2024.
What is the FEMA National Risk Index score for Osceola County?
According to the FEMA National Risk Index, Osceola County, Iowa has an overall risk score of 14.9 out of 100 (Very Low). Social vulnerability here rates Relatively Moderate, while community resilience comes in at Relatively High. The Expected Annual Loss (EAL) score is Very Low, representing $5.5M in annualized losses.
Which natural hazard poses the greatest risk to Osceola County?
Based on FEMA NRI data, the highest-risk natural hazard in Osceola County as of the latest release is Hail (risk rating: Relatively Moderate). Other significant hazards include Winter Weather (Relatively Moderate) and Drought (Relatively Low). FEMA's modeled event frequency puts hail here at an average of 5.7 times per year, drawn from 218 historical events on record. These scores are based on FEMA's analysis of historical event frequency, exposed assets, and community vulnerability.
Data Sources & Methodology
Disaster declaration data comes from the FEMA OpenFEMA Disaster Declarations Summaries v2 API, which includes all federally declared disasters, emergencies, and fire management assistance grants.
Storm event data is sourced from the NOAA Storm Events Database (2015-2025), which tracks significant weather events including thunderstorms, tornadoes, floods, and winter storms.
Flood insurance data comes from the FEMA National Flood Insurance Program (NFIP) OpenFEMA claims dataset.
This data is provided for informational purposes only. FEMA disaster declarations represent federal response actions and may not capture all local emergencies or weather events.
FEMA OpenFEMA declarations + NRI for Osceola County · vintage 2026-08-25 · Methodology · Iowa profile · Verify with FEMA OpenFEMA · Verify with NOAA Storm Events