Natural hazards · Morgan

Morgan, OH natural hazards

Most of the natural-hazard damage FEMA expects in Morgan comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 7 claims here since 1995.

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

Expected damage

How exposed is Morgan?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Morgan to be higher than in 41% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding50%Tornadoes25%Cold waves13%Everything else12%

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

50% of expected damage

Above average · higher than 52% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

25% of expected damage

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

Recorded about once every 36 years in the area

Cold waves

13% of expected damage

Above average · higher than 59% of U.S. places

Recorded about 3 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong 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 Morgan flood?

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

7paid claims since 1995

$74Kpaid to owners

0homes flooded more than once

19952026

Biggest named events

March storm: 1 claim, $3K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Morgan 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 Morgan

Federal disasters declared here

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

Brought FEMA money into MorganDeclared for Butler County only

Butler County has had 12 natural disasters declared since 1953, most often severe storms and floods.

Around Morgan

Morgan and the towns around it

Very lowLowModerateHighVery high

Crosbymostly inland floodingHigh

Whitewatermostly inland floodingHigh

Rossmostly inland floodingHigh

Harrisonmostly inland floodingHigh

Reilymostly inland floodingModerate

Morganmostly 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 1 census tract, combined by population.

Money that reached townFlood claims are matched to Morgan’s own flood-insurance community (here, the census tracts inside it); 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 $1.7M 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.