Natural hazards · Mount Morris

Mount Morris, MI natural hazards

Most of the natural-hazard damage FEMA expects in Mount Morris comes from tornadoes, and overall the risk is very low for a U.S. community. Flood insurance has paid 1 claim here since 1981. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Mount Morris?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Mount Morris to be higher than in 12% of U.S. communities, mostly from tornadoes and inland flooding.

Tornadoes32%Inland flooding29%Cold waves28%Everything else12%

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.

Tornadoes

32% of expected damage

Well above average · higher than 88% of U.S. places

Inland flooding

29% of expected damage

Well below average · higher than 14% of U.S. places

Recorded about once a year in the area

Cold waves

28% of expected damage

Above average · higher than 54% of U.S. places

Recorded about 3 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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?

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

1paid claims since 1981

$4Kpaid to owners

0homes flooded more than once

19812026

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: Genesee County.

Disasters that hit Mount Morris

2 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 City of Mount Morris.

Brought FEMA money into Mount MorrisDeclared for Genesee County only

2004

Severe Storms, Tornadoes, and Flooding

119 households applied for aid $113K aid approved

2000

Snow

$3K to the City of Mount Morris for repairs

Genesee County has had 9 natural disasters declared since 1953, most often severe storms and floods.

Around Mount Morris

Mount Morris and the towns around it

Very lowLowModerateHighVery high

Geneseemostly inland floodingLow

Mount Morrismostly inland floodingLow

Mount Morrismostly tornadoesVery low

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 covers 1 census tract, combined by population.

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 City of Mount Morris. 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 Mount Morris total about $602K 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.