Natural hazards · Morgan's Point

Morgan's Point, TX natural hazards

Most of the natural-hazard damage FEMA expects in Morgan's Point comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 16 claims here since 1979. 7 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Morgan's Point?

High

vs. U.S. communities

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

Inland flooding38%Hurricanes27%Tornadoes20%Cold waves7%Everything else7%

By hazard

What Morgan's Point faces

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

Inland flooding

38% of expected damage

Above average · higher than 50% of U.S. places

Recorded about 5 times a year in the area

Hurricanes

27% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about once every 5 years in the area

Tornadoes

20% of expected damage

Above average · higher than 61% of U.S. places

Cold waves

7% of expected damage

Well above average · higher than 84% of U.S. places

Recorded about once every 2 years in the area

Lower here

Coastal floodingHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

DroughtAvalanchesTsunamisVolcanic 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's Point flood?

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

16paid claims since 1979

$613Kpaid to owners

1homes flooded more than once

19792026

Biggest named events

Hurricane Alicia: 3 claims, $72K
Tropical Storm Allison: 3 claims, $10K
Hurricane Harvey: 3 claims, $214K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

No community discount. Morgan's Point isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Harris County.

Disasters that hit Morgan's Point

7 federal disasters brought FEMA money here

Disasters the President declared that paid out in Morgan's Point itself: aid to households, or repair grants to the City of Morgan's Point.

Brought FEMA money into Morgan's PointDeclared for Harris County only

2024

Hurricane Beryl

2 households applied for aid $750 aid approved $261K to the City of Morgan's Point for repairs

2024

Severe Storms, Straight-Line Winds, Tornadoes, and Flooding

4 households applied for aid $4K aid approved

2021

Severe Winter Storms

$7K to the City of Morgan's Point for repairs

2020

Tropical Storms Marco and Laura

$21K to the City of Morgan's Point for repairs

2017

Hurricane Harvey

3 households applied for aid $13K aid approved $78K to the City of Morgan's Point for repairs

2008

Hurricane Ike

$354K to the City of Morgan's Point for repairs

2005

Hurricane Rita

$23K to the City of Morgan's Point for repairs

Harris County has had 34 natural disasters declared since 1953, most often floods and hurricanes.

Around Morgan's Point

Morgan's Point and the towns around it

Very lowLowModerateHighVery high

La Portemostly inland floodingHigh

Morgan's Pointmostly inland floodingHigh

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's Point 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 Point’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Morgan's Point. 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.