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.

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 69% of U.S. communities, mostly from inland flooding.

Inland flooding75%Heat waves12%Everything else13%

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

75% of expected damage

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

Recorded about 4 times a year in the area

Heat waves

12% of expected damage

Above average · higher than 67% of U.S. places

Recorded about 6 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold 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?

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

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: Scioto County.

Disasters that hit Morgan

Federal disasters declared here

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

Brought FEMA money into MorganDeclared for Scioto County only

Scioto County has had 15 natural disasters declared since 1953, most often severe storms and floods.

Around Morgan

Morgan and the towns around it

Very lowLowModerateHighVery high

Morganmostly inland floodingHigh

Rardenmostly inland floodingHigh

Brush Creekmostly inland floodingHigh

Camp Creekmostly inland floodingHigh

Rushmostly inland floodingHigh

Valleymostly inland floodingLow

Lucasvillemostly inland floodingLow

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 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 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.

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.