I'm not entirely sure what would constitute an answer. But here a few simple observations. Let me focus on what you seem be interested in, namely a projective family of connected curves over smooth projective curve $f:X\to Y$. Let me also assume $X$ smooth. Let $h$ be the genus of $Y$, and $g$ the genus of the general fibre. Then from the Leray spectral sequence, Riemann-Roch and Grothendieck duality $$\chi(\mathcal{O}_X)= (1-g)(1-h) - \deg R^1f_*\mathcal{O}_X=\chi(\mathcal{O}_Y)\chi(\mathcal{O}_{X_{y_0}})+\deg f_*\omega_{X/Y}$$ A theorem of Fujita then gives an inequality $$\chi(\mathcal{O}_X)\ge \chi(\mathcal{O}_Y)\chi(\mathcal{O}_{X_{y_0}})$$ which is something. To say more, one would need to compute $\deg f_*\omega_{X/Y}$. But I think this depends on more than local information at the bad fibres, which is what I think you are asking. The reason I say this, is that this degree can be positive and variable for Kodaira surfaces, which have no bad fibres at all. [Added Comment I guess there are various things called Kodaira surfaces. The ones I have in mind are of general type, and hence algebraic. See page 220 of Compact Complex Surfaces by Barth, Hulek, Peters and Van de Ven for further details.]