Natural hazards · Fort Morgan

Fort Morgan, CO natural hazards

Most of the natural-hazard damage FEMA expects in Fort Morgan comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 2 claims here since 2013. 2 federal disasters brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Fort Morgan?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Fort Morgan to be higher than in 49% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding37%Tornadoes20%Cold waves17%Hail10%Strong wind10%Everything else5%

By hazard

What Fort Morgan faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

37% of expected damage

Below average · higher than 44% of U.S. places

Recorded about once a year in the area

Tornadoes

20% of expected damage

Well above average · among the top 1% of U.S. places

Cold waves

17% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about 2 times a year in the area

Hail

10% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about 7 times a year in the area

Strong wind

10% of expected damage

Well above average · higher than 82% of U.S. places

Recorded about 2 times a year in the area

Lower here

Ice stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightningDrought

Not a risk here

Coastal floodingHurricanesAvalanchesTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Fort Morgan flood?

Every paid claim on a federal flood insurance policy in Fort Morgan, from FEMA’s records.

2paid claims since 2013

$72Kpaid to owners

0homes flooded more than once

20132026

Biggest named events

Late summer storms: 2 claims, $72K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Fort Morgan isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Morgan County.

Disasters that hit Fort Morgan

2 federal disasters brought FEMA money here

Disasters the President declared that paid out in Fort Morgan itself: aid to households, or repair grants to the City of Fort Morgan.

Brought FEMA money into Fort MorganDeclared for Morgan County only

2015

Severe Storms, Tornadoes, Flooding, Landslides, and Mudslides

$135K to the City of Fort Morgan for repairs

2013

Severe Storms, Flooding, Landslides, and Mudslides

12 households applied for aid $35K aid approved $688K to the City of Fort Morgan for repairs

Morgan County has had 9 natural disasters declared since 1953, most often floods and winter storms.

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Fort Morgan covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Fort Morgan’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Fort Morgan. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Fort Morgan total about $3.1M a year, counting buildings, people and crops.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.