Natural hazards · Morgan

Morgan, IL natural hazards

Most of the natural-hazard damage FEMA expects in Morgan comes from inland flooding, and overall the risk is high for a U.S. community.

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

Expected damage

How exposed is Morgan?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Morgan to be higher than in 75% of U.S. communities, mostly from inland flooding and drought.

Inland flooding49%Drought22%Earthquakes10%Tornadoes6%Cold waves6%Everything else6%

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.

Inland flooding

49% of expected damage

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

Recorded about 2 times a year in the area

Drought

22% of expected damage

Recorded about 2 times a year in the area

Earthquakes

10% of expected damage

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

Tornadoes

6% of expected damage

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

Recorded about once every 7 years in the area

Cold waves

6% of expected damage

Above average · higher than 53% of U.S. places

Recorded about 2 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireLandslidesStrong 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: Coles County.

Disasters that hit Morgan

Federal disasters declared here

None of the disasters declared for Coles County shows FEMA aid or repair money reaching Morgan itself in FEMA’s records.

Brought FEMA money into MorganDeclared for Coles County only

Coles County has had 7 natural disasters declared since 1953, most often severe storms and tornadoes.

Around Morgan

Morgan and the towns around it

Very lowLowModerateHighVery high

Bowdremostly inland floodingVery high

Sargentmostly inland floodingVery high

Morganmostly inland floodingHigh

East Oaklandmostly inland floodingHigh

Seven Hickorymostly inland floodingHigh

Ashmoremostly inland floodingHigh

Charlestonmostly inland floodingHigh

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 Township 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.