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C+Hazard risk
Natural hazards in Morgan Township · FEMA

On FEMA’s figures, Morgan Township faces about as much hazard damage per building as the typical U.S. town, mostly from river and rain flooding

On FEMA’s National Risk Index, Morgan Township gets a C+ for hazard risk: higher expected damage per building than 56% of U.S. towns. Most of that expected damage is river and rain flooding (79%). FEMA’s files show no paid flood insurance claims here.

River and rain flooding 79%Tornadoes 9%Earthquakes 6%

Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded

more than 56%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
C+
in Indiana · higher than 56% of U.S. towns
Main hazard
River and rain flooding
79% of expected building damage
Flood claims
0
paid since 1978 · $0
Disasters paid out here
0
of 17 declared for Owen County
By hazard

What Morgan Township faces

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

River and rain flooding

79%of expected building damage
Above average · higher than 68% of U.S. census tracts
Recorded about 3 times a year in the area

Tornadoes

9%of expected building damage
Above average · higher than 77% of U.S. census tracts

Earthquakes

6%of expected building damage
Above average · higher than 71% of U.S. census tracts
Smaller shares here
 Hail Strong wind Wildfire Winter storms Ice storms Landslides Lightning Hurricanes Cold waves Heat waves top 4%
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts strong wind at 17% of Morgan Township’s expected losses. Strong wind does little damage to buildings (1.6%), so they aren’t part of the grade.

Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Hazard risk grade

What’s behind Morgan Township’s grade

River and rain flooding is 79% of the building damage FEMA expects in Morgan Township, and Morgan Township’s rate of river and rain flooding damage is higher than 68% of U.S. census tracts. Next is tornadoes at 9% (higher than 77% of U.S. census tracts).

Where Morgan Township sits
Morgan Township
Least damageMiddleMost damage

C+ higher expected damage per building than 56% of U.S. towns (21,298).

Morgan Township’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.

What drives the damage to buildings
River and rain flooding79%Tornadoes9%Earthquakes6%Everything else6%

In dollars, FEMA expects about $423K a year in losses across Morgan Township: $257K to buildings, the rest to people and crops.

A small-area figure. Morgan Township covers 2 census tracts, combined by where residents live. FEMA’s model is an average year for today’s buildings, not a record: the claims and disasters below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Morgan Township flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Morgan Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.

of homes in flood zones are insured
of all homes are insured
No community discount

Morgan Township isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Owen County.
Disasters

The storms Morgan Township remembers

None of the 17 disasters declared for Owen County shows FEMA aid or repair money reaching Morgan Township itself in FEMA’s records, so these are its biggest flood-claim years.

Disasters declared, by decade
Paid out in Morgan TownshipOwen County only

Owen County has had 17 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.

Next door

Morgan Township and its neighbors

Morgan Township is 2nd of the 5 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.

Jackson Township: hazard risk C+Lafayette Township: hazard risk B−Montgomery Township: hazard risk C+Washington Township: not gradedJennings Township: not gradedMarion Township: not gradedWashington Township: hazard risk C−Jackson TownshipLafayette TownshipMontgomery TownshipWashington TownshipJennings TownshipMarion TownshipWashington TownshipMorgan Township
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
Lafayette TownshipB−more damage than 53%river and rain flooding1
Morgan TownshipC+more damage than 56%river and rain flooding0
Jackson TownshipC+more damage than 59%river and rain flooding—
Montgomery TownshipC+more damage than 64%river and rain flooding—
Washington TownshipC−more damage than 76%river and rain flooding99
Washington Township—906 residents; we grade 1,000+
Jennings Township—503 residents; we grade 1,000+
Marion Township—983 residents; we grade 1,000+

Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.

Be ready

Get ready for what Morgan Township faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

When the river rises
  • Turn around at flooded roads: a foot of moving water can carry off a car.
  • Flood insurance usually takes 30 days to start, so buy it before the forecast.
  • Keep papers and medicines up high, in a grab-and-go bag.
More from Ready.gov ↗
Tornado warnings
  • Pick your spot now: the lowest floor, an inside room, no windows.
  • A watch means be ready; a warning means take cover now.
  • Keep shoes and a flashlight by the bed.
More from Ready.gov ↗
Earthquakes
  • Drop, cover and hold on.
  • Strap tall furniture and the water heater to the wall.
  • Know how to shut off the gas.
More from Ready.gov ↗
Before you buy or rent
  • Look up the address on FEMA’s flood map.
  • Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
  • Get a flood insurance quote early: policies usually start 30 days after you buy.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Morgan Township

Is Morgan Township at risk for natural disasters?

On FEMA’s National Risk Index, Morgan Township has higher expected damage per building than 56% of U.S. towns: C+ for hazard risk. Most of the expected damage is river and rain flooding (79%) and tornadoes (9%). This is FEMA’s model of an average year for today’s buildings, not a forecast.

Is Morgan Township in a flood zone?

Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Owen County, 16% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.

How much is flood insurance in Morgan Township?

FEMA’s Community Rating System list shows no discount for Morgan Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.

Is Morgan Township at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (79%), and Morgan Township’s rate for it is higher than 68% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Morgan Township.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Morgan Township’s residents lived in the 2020 census; 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. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.