Natural hazards · Morgan

Morgan, MO natural hazards

Most of the natural-hazard damage FEMA expects in Morgan comes from inland flooding, and overall the risk is high for a U.S. community.

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

Expected damage

How exposed is Morgan?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Morgan to be higher than in 61% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding41%Tornadoes19%Drought15%Cold waves10%Heat waves6%Everything else10%

By hazard

What Morgan faces

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

Inland flooding

41% of expected damage

Above average · higher than 74% of U.S. places

Recorded about once every 3 years in the area

Tornadoes

19% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about once every 9 years in the area

Drought

15% of expected damage

Recorded about 13 times a year in the area

Cold waves

10% of expected damage

Well above average · higher than 75% of U.S. places

Recorded about 5 times a year in the area

Heat waves

6% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about 9 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireEarthquakesLandslidesStrong windLightning

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 Morgan flood?

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

Disasters that hit Morgan

Federal disasters declared here

None of the disasters declared for Mercer County shows FEMA aid or repair money reaching Morgan itself in FEMA’s records.

Brought FEMA money into MorganDeclared for Mercer County only

Mercer County has had 17 natural disasters declared since 1953, most often severe storms and ice storms.

Around Morgan

Morgan and the towns around it

Very lowLowModerateHighVery high

Washingtonmostly inland floodingHigh

Harrisonmostly inland floodingHigh

Morganmostly inland floodingHigh

Ravannamostly inland floodingModerate

Marionmostly inland floodingModerate

Lindleymostly inland floodingModerate

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. Morgan covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Morgan’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Morgan. 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 Morgan total about $4.0M 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.