How much flood risk does Osceola County actually carry?
Osceola County lands at the 36.7th percentile of FEMA's National Risk Index for flooding, "Relatively Low" territory — below the national norm for flood hazard — with the hazard driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about once every 3 years. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Who actually carries the flood insurance FEMA requires
Osceola County is one of the counties where FEMA's own denominator for mandated flood-zone structures is missing, so no compliance rate is shown rather than a guessed one — the data quality guide covers how common this is. Across all residential structures in Osceola County, not just the ones FEMA mandates, 0.4% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Where Osceola County ranks
Osceola County sits at rank 2053 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 1667 of 3144 by population (1 is biggest). About 23,484 people live in Osceola County, Michigan, spread over 566.291 square miles.
What to do next if you own or are buying in Osceola County
FEMA counts 9,757 residential structures in Osceola County overall, 39 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Osceola County's numbers. See the data quality guide for why Osceola County, like hundreds of other counties, doesn't get a clean compliance percentage.