🌍 ClimateRiskCheck

Natural Disaster Risk in Osseo

Wisconsin

5.6out of 10
Moderate Risk

Risk Summary for Osseo

Osseo scores 5.6/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Landslide.

Top Hazards

Landslide Hail Cold Wave

All 18 Hazard Scores

Landslide
9.2
Hail
8.5
Cold Wave
8.2
Lightning
7.9
Strong Wind
6.9
Extreme Heat
6.6
Tornado
6.5
Ice Storm
5.5
Tsunami
5.4
Volcanic Activity
5.1
Winter Weather
5.0
Coastal Flooding
4.9
Drought
4.6
Avalanche
4.5
Wildfire
2.4
Hurricane
2.4
Earthquake
1.7
Riverine Flooding
1.0

How it compares

Osseo
5.6
Wisconsin avg.
5.4
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Average risk β€” standard coverage usually sufficient

This area carries average natural disaster risk. A standard homeowners or renters policy should cover common events, but review the exclusions for floods and earthquakes, which are almost never included by default.

This is general information only. Consult a licensed insurance professional for advice specific to your property.

Natural Hazard Profile: Osseo, Wisconsin

Osseo, in Trempealeau County, is a town of roughly 4,577 residents situated in the interior eastern United States. Its humid continental climate brings long, cold winters with lake-effect snow and warm summers, and in particular severe blizzards and spring tornado outbreaks. These conditions collectively define the natural hazard environment that Osseo residents and property owners must navigate.

According to FEMA's National Risk Index, Osseo carries an overall risk score of 5.6/10, placing it in the moderate category. Landslide and debris flow risk tops the local hazard profile, with steep terrain and periodic heavy rainfall creating conditions for rapid slope failure in vulnerable areas. The area also faces notable exposure to hail and cold wave.

Within Wisconsin, Osseo's risk is, near the 5.4/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of Trempealeau County identifies landslide as the foremost hazard, followed by hail and cold wave. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a moderate risk rating, Osseo residents are well-served by maintaining standard preparedness practices β€” an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for landslide is recommended.

What this means for Osseo: Landslide preparedness

  • Have an evacuation plan ready during periods of intense or prolonged rainfall.
  • Watch for warning signs such as new cracks, tilting trees, or changes in water drainage on slopes.
  • Standard insurance generally excludes landslide and earth-movement damage β€” ask about specialized coverage.

Local Factors for Osseo

These city-level factors differentiate Osseo from other communities in Trempealeau County and provide geographic context for its hazard exposure.

Population

4,577

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Cool Continental

Latitude 44.5Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Lower β€” moist climate limits wildfire frequency

Fire score: 2.4/10

Coordinates

44.5455Β° N, 91.2173Β° W

Trempealeau County

Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.

Recent Climate Data for Osseo

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Osseo

Other cities in Wisconsin

Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.