Natural hazards · Morrison

Morrison, IL natural hazards

Most of the natural-hazard damage FEMA expects in Morrison comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 15 claims here since 1997. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Morrison?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Morrison to be higher than in 52% of U.S. communities, mostly from inland flooding.

Inland flooding57%Tornadoes14%Cold waves11%Strong wind6%Everything else12%

By hazard

What Morrison faces

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

Inland flooding

57% of expected damage

Above average · higher than 69% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

14% of expected damage

Well above average · higher than 78% of U.S. places

Recorded about once every 47 years in the area

Cold waves

11% of expected damage

Well below average · higher than 18% of U.S. places

Recorded about 6 times a year in the area

Strong wind

6% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about 6 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightningDrought

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 Morrison flood?

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

15paid claims since 1997

$205Kpaid to owners

2homes flooded more than once

19972026

Biggest named events

Mid-spring storms: 1 claim, $17K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Whiteside County.

Disasters that hit Morrison

2 federal disasters brought FEMA money here

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

Brought FEMA money into MorrisonDeclared for Whiteside County only

2013

Severe Storms, Straight-Line Winds, and Flooding

3 households applied for aid $9K aid approved

2011

Severe Winter Storm and Snowstorm

$13K to the City of Morrison for repairs

Whiteside County has had 12 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. Morrison covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Morrison’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Morrison. 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 Morrison total about $1.5M 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.