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 high for a U.S. community. Flood insurance has paid 47 claims here since 1978.

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 76% of U.S. communities, mostly from inland flooding.

Inland flooding88%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

88% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about once a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat 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.

47paid claims since 1978

$551Kpaid to owners

0homes flooded more than once

19782026

Biggest named events

Tropical Storm Ivan: 1 claim, $2K
Not a named storm: 1 claim, $677
March storm: 1 claim, $59K

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: Morgan County.

Disasters that hit Morgan

Federal disasters declared here

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

Brought FEMA money into MorganDeclared for Morgan County only

Morgan County has had 14 natural disasters declared since 1953, most often severe storms and floods.

Around Morgan

Morgan and the towns around it

Very lowLowModerateHighVery high

Meigsvillemostly inland floodingVery high

Bloommostly inland floodingVery high

Bristolmostly inland floodingVery high

Windsormostly inland floodingVery high

Morganmostly inland floodingHigh

McConnelsvillemostly inland floodingHigh

Maltamostly inland floodingHigh

Maltamostly 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 $2.2M 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.