Natural hazards · Morganfield

Morganfield, KY natural hazards

Most of the natural-hazard damage FEMA expects in Morganfield comes from earthquakes, and overall the risk is high for a U.S. community. Flood insurance has paid 4 claims here since 1979. 10 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Morganfield?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Morganfield to be higher than in 64% of U.S. communities, mostly from earthquakes and inland flooding.

Earthquakes35%Inland flooding23%Strong wind9%Drought8%Tornadoes7%Heat waves6%Everything else13%

By hazard

What Morganfield faces

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

Earthquakes

35% of expected damage

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

Inland flooding

23% of expected damage

Below average · higher than 26% of U.S. places

Recorded about 4 times a year in the area

Strong wind

9% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about 4 times a year in the area

Drought

8% of expected damage

Recorded about 6 times a year in the area

Tornadoes

7% of expected damage

Above average · higher than 63% of U.S. places

Recorded about once every 15 years in the area

Heat waves

6% of expected damage

Below average · higher than 31% of U.S. places

Recorded about 9 times a year in the area

Lower here

HurricanesHailWinter weatherCold wavesWildfireLandslidesLightning

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 Morganfield flood?

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

4paid claims since 1979

$54Kpaid to owners

1homes flooded more than once

19792026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Union County.

Disasters that hit Morganfield

10 federal disasters brought FEMA money here

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

Brought FEMA money into MorganfieldDeclared for Union County only

2025

Severe Storms, Straight-Line Winds, and Tornadoes

50 households applied for aid $221K aid approved

2025

Severe Storms, Straight-Line Winds, Flooding, Landslides, and Mudslides

$32K to the City of Morganfield for repairs

2024

Severe Storms, Straight-Line Winds, Tornadoes, Landslides, and Mudslides

3 households applied for aid

2020

Severe Storms, Flooding, Landslides, and Mudslides

$32K to the City of Morganfield for repairs

2015

Severe Winter Storms, Snowstorms, Flooding, Landslides, and Mudslides

$13K to the City of Morganfield for repairs

2011

Severe Storms, Tornadoes, and Flooding

12 households applied for aid $31K aid approved $2K to the City of Morganfield for repairs

2009

Severe Winter Storm and Flooding

$91K to the City of Morganfield for repairs

2008

Severe Wind Storm Associated With Tropical Depression Ike

$10K to the City of Morganfield for repairs

2004

Severe Winter Storm and Record Snow

$3K to the City of Morganfield for repairs

2004

Severe Storms, Tornadoes, Flooding, and Mudslides

4 households applied for aid $2K aid approved

Union County has had 24 natural disasters declared since 1953, most often severe storms 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. Morganfield 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 Morganfield’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Morganfield. 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.