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Natural hazards · Morgantown

Morgantown, KY natural hazards

Most of the natural-hazard damage FEMA expects in Morgantown comes from inland flooding, and overall the risk is high for a U.S. community. 4 federal disasters brought FEMA money into town.

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

How exposed is Morgantown?

65
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Morgantown to be higher than in 65% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding33%Tornadoes16%Earthquakes16%Hail16%Strong wind8%Everything else11%
By hazard

What Morgantown faces

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

Inland flooding

33% of expected damage
Below average · higher than 44% of U.S. places
Recorded about 4 times a year in the area

Tornadoes

16% of expected damage
Well above average · higher than 89% of U.S. places
Recorded about once every 51 years in the area

Earthquakes

16% of expected damage
Well above average · higher than 81% of U.S. places

Hail

16% of expected damage
Well above average · higher than 98% of U.S. places
Recorded about 3 times a year in the area

Strong wind

8% of expected damage
Well above average · higher than 95% of U.S. places
Recorded about 6 times a year in the area

Lower here

HurricanesIce stormsWinter weatherCold wavesHeat wavesWildfireLandslidesLightningDrought

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 Morgantown flood?

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

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

4 federal disasters brought FEMA money here

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

Brought FEMA money into MorgantownDeclared for Butler County only
2025

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

193 households applied for aid $866K aid approved
2024

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

24 households applied for aid $22K aid approved
2010

Severe Storms, Flooding, Mudslides, and Tornadoes

8 households applied for aid $36K aid approved
2004

Severe Storms, Tornadoes, Flooding, and Mudslides

5 households applied for aid $5K aid approved
Butler County has had 26 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. Morgantown 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 Morgantown’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Morgantown. 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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