I sm new to all this and don't have the complete answer, but there seems to be a way to handle this. I live in the Town of Barnstable in Massa Massachusetts. The town is made up of a number of villages. You can search for "Cotuit, MA" to find and example. Others are Marstons Mills and Osterville. At some zoom level you see an icon/object (not sure of the vocabulary here) near the center of the village. The Feature Type is "Borough/Suburb." It's not clear to me how it was designated. You can look at this link and see if you can figure out: https://www.openstreetmap.org/edit#map=16/41.6176/-70.4345
Good luck with it.