Natural hazards · Morristown

Morristown, IN natural hazards

Most of the natural-hazard damage FEMA expects in Morristown comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 2 claims here since 1990. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Morristown?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Morristown to be higher than in 33% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding48%Tornadoes29%Earthquakes6%Everything else17%

By hazard

What Morristown faces

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

Inland flooding

48% of expected damage

Below average · higher than 36% of U.S. places

Recorded about once a year in the area

Tornadoes

29% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about once every 23 years in the area

Earthquakes

6% of expected damage

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

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireLandslidesStrong 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 Morristown flood?

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

2paid claims since 1990

$10Kpaid to owners

0homes flooded more than once

19902026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Shelby County.

Disasters that hit Morristown

4 federal disasters brought FEMA money here

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

Brought FEMA money into MorristownDeclared for Shelby County only

2008

Severe Storms, Flooding, and Tornadoes

2 households applied for aid

2005

Severe Winter Storms and Flooding

3 households applied for aid $8K aid approved

2003

Severe Storms, Tornadoes, and Flooding

1 household applied for aid

1999

In-Winter Storm 12/23/98

$2K to the Town of Morristown for repairs

Shelby County has had 13 natural disasters declared since 1953, most often severe storms and floods.

Around Morristown

Morristown and the towns around it

Very lowLowModerateHighVery high

Morristownmostly inland floodingLow

Hanovermostly inland floodingLow

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. Morristown 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 Morristown’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Morristown. 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.