Natural hazards · Morgan

Morgan, GA natural hazards

Most of the natural-hazard damage FEMA expects in Morgan comes from hurricanes, and overall the risk is moderate for a U.S. community. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Morgan?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Morgan to be higher than in 41% of U.S. communities, mostly from hurricanes and drought.

Hurricanes25%Drought24%Inland flooding15%Tornadoes13%Cold waves13%Everything else9%

By hazard

What Morgan faces

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

Hurricanes

25% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about once every 5 years in the area

Drought

24% of expected damage

Recorded about 45 times a year in the area

Inland flooding

15% of expected damage

Well below average · higher than 23% of U.S. places

Recorded about once every 7 years in the area

Tornadoes

13% of expected damage

Well above average · higher than 80% of U.S. places

Recorded about once every 7 years in the area

Cold waves

13% of expected damage

Below average · higher than 49% of U.S. places

Recorded about 2 times a year in the area

Lower here

HailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic 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 Morgan flood?

FEMA's records show no paid flood insurance claims in Morgan.

of homes in flood zones
are insured

of all homes
are insured

No community discount. 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: Calhoun County.

What’s been done with FEMA grants

1storm safe rooms built

Disasters that hit Morgan

2 federal disasters brought FEMA money here

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

Brought FEMA money into MorganDeclared for Calhoun County only

2018

Hurricane Michael

65 households applied for aid $29K aid approved $52K to the City of Morgan for repairs

2009

Severe Storms, Flooding, Tornadoes, and Straight-Line Winds

$28K to the City of Morgan for repairs

Calhoun County has had 10 natural disasters declared since 1953, most often hurricanes and severe 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. Morgan is smaller than a census tract, so it shares the figures of the tract around its center.

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

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.