Natural Disaster Risk — ZIP Code 66523
Osage City, Kansas
Risk Summary for ZIP 66523
ZIP 66523 scores 6.0/10 (High risk), above the U.S. average of 4.5. The leading hazard is Ice Storm.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Above-average risk — check your policy limits
Standard homeowners insurance may not fully cover all hazards rated highly in this area. Verify that your policy includes adequate coverage for the top local hazards, and ask your insurer about specific endorsements or separate policies (e.g., flood, earthquake).
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: ZIP 66523, Kansas
Located in the interior eastern United States, ZIP 66523 serves the Osage City community. The semi-arid continental climate of this part of Kansas — bringing hot summers, cold winters, and exposure at the heart of Tornado Alley — directly shapes the hazard exposure for properties in this postal area.
ZIP 66523's overall natural disaster risk is rated 6.0/10 (High) by FEMA's National Risk Index. The area faces significant ice storm exposure, where the thermal profile of the atmosphere during winter storms frequently delivers freezing rain rather than snow. Secondary hazards include winter and lightning.
Relative to other U.S. communities, ZIP 66523's natural disaster risk is above the U.S. national average of 4.5/10, slightly above the 5.2/10 state average. The hazard distribution here is led by ice storm and winter, as measured by FEMA across Kansas. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
With a high natural disaster risk rating, ZIP 66523 residents benefit from taking preparedness seriously. Reviewing insurance coverage for ice storm and secondary hazards, registering for emergency alerts, and maintaining a household emergency kit are practical steps that can significantly reduce impact during a major event.
What this means for ZIP 66523: Ice Storm preparedness
- Keep walkways treated and avoid travel during freezing-rain events.
- Have a backup heat source and charged devices ready before winter storms arrive.
- Prepare for multi-day power outages, as ice accretion frequently downs power lines.
Risk for the surrounding area
Local Factors for ZIP 66523
These city-level factors differentiate ZIP 66523 from other communities in Kansas County and provide geographic context for its hazard exposure.
Population
3,941
Small TownGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Moderate Continental
Latitude 38.6°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — seasonal fire risk
Fire score: 7.8/10
Coordinates
38.6099° N, 95.8379° W
Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.
Recent Climate Data for ZIP 66523
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
Nearby ZIP codes
Other cities in Kansas
Data source: FEMA National Risk Index (NRI). County-level data applied to ZIP codes within each county. Scores are normalized to 1–10 across all US counties. This information is for general awareness only — consult official emergency management resources and a licensed insurer for property-specific advice.