Natural hazards · Morgan

Morgan, WI natural hazards

Most of the natural-hazard damage FEMA expects in Morgan comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 3 claims here since 2019.

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

Expected damage

How exposed is Morgan?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Morgan to be higher than in 24% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding49%Cold waves27%Tornadoes11%Lightning5%Everything else9%

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

49% of expected damage

Below average · higher than 43% of U.S. places

Recorded about once a year in the area

Cold waves

27% of expected damage

Well below average · higher than 20% of U.S. places

Recorded about 6 times a year in the area

Tornadoes

11% of expected damage

Above average · higher than 73% of U.S. places

Recorded about once every 32 years in the area

Lightning

5% of expected damage

Above average · higher than 72% of U.S. places

Lower here

Coastal floodingHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong wind

Not a risk here

HurricanesDroughtAvalanchesTsunamisVolcanic 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.

3paid claims since 2019

$94Kpaid to owners

0homes flooded more than once

20192026

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: Oconto County.

Disasters that hit Morgan

Federal disasters declared here

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

Brought FEMA money into MorganDeclared for Oconto County only

Oconto County has had 4 natural disasters declared since 1953, most often floods and hurricanes.

Around Morgan

Morgan and the towns around it

Very lowLowModerateHighVery high

Green Valleymostly inland floodingLow

Abramsmostly inland floodingLow

Morganmostly inland floodingLow

Chasemostly inland floodingLow

Oconto Fallsmostly inland floodingVery low

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 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 $2.3M 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.