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Natural hazards · Mount Morris

Mount Morris, IL natural hazards

Most of the natural-hazard damage FEMA expects in Mount Morris comes from inland flooding, and overall the risk is low for a U.S. community. 5 federal disasters brought FEMA money into town.

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

How exposed is Mount Morris?

32
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Mount Morris to be higher than in 32% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding52%Tornadoes16%Cold waves16%Hail6%Everything else10%
By hazard

What Mount Morris faces

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

Inland flooding

52% of expected damage
Below average · higher than 45% of U.S. places
Recorded about once a year in the area

Tornadoes

16% of expected damage
Well above average · higher than 81% of U.S. places
Recorded about once every 23 years in the area

Cold waves

16% of expected damage
Well below average · higher than 20% of U.S. places
Recorded about 6 times a year in the area

Hail

6% of expected damage
Well above average · higher than 87% of U.S. places
Recorded about 4 times a year in the area

Lower here

HurricanesIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

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 Mount Morris flood?

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

of homes in flood zones
are insured
of all homes
are insured
No community discount. Mount Morris isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Ogle County.
Disasters that hit Mount Morris

5 federal disasters brought FEMA money here

Disasters the President declared that paid out in Mount Morris itself: aid to households, or repair grants to the Village of Mount Morris.

Brought FEMA money into Mount MorrisDeclared for Ogle County only
2011

Severe Winter Storm and Snowstorm

$6K to the Village of Mount Morris for repairs
2010

Severe Storms and Flooding

2 households applied for aid $879 aid approved
2008

Record Snow and Near Record Snow

$6K to the Village of Mount Morris for repairs
2006

Snow

$6K to the Village of Mount Morris for repairs
2000

Illinois Winter Snow Storms

$2K to the Village of Mount Morris for repairs
Ogle County has had 12 natural disasters declared since 1953, most often winter storms and floods.
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. Mount Morris 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 Mount Morris’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Mount Morris. 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
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