Natural hazards · Morgan

Morgan, VT 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. 4 federal disasters brought FEMA money into town.

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 60% of U.S. communities, mostly from inland flooding.

Inland flooding83%Cold waves6%Everything else11%

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

83% of expected damage

Well above average · higher than 82% of U.S. places

Recorded about 2 times a year in the area

Cold waves

6% of expected damage

Below average · higher than 42% of U.S. places

Recorded about 5 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 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: Orleans County.

Disasters that hit Morgan

4 federal disasters brought FEMA money here

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

Brought FEMA money into MorganDeclared for Orleans County only

2024

Severe Storm, Flooding, Landslides, and Mudslides

56 households applied for aid $357K aid approved $848K to the Town of Morgan for repairs

2023

Severe Storms, Flooding, Landslides, and Mudslides

11 households applied for aid $23K aid approved $124K to the Town of Morgan for repairs

2011

Tropical Storm Irene

$2K to the Town of Morgan for repairs

2011

Severe Storms and Flooding

13 households applied for aid $32K aid approved $209K to the Town of Morgan for repairs

Orleans County has had 29 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

Charlestonmostly inland floodingHigh

Brightonmostly inland floodingHigh

Hollandmostly 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 covers 1 census tract, 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 Town 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 $1.3M 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.