Storms, floods and disasters in Morley
Morley isn’t graded for hazard risk: Morley has 624 residents; we grade towns of 1,000 or more.
What Morley faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
Strong wind
River and rain flooding
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.
Does Morley flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Morley. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Morley isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Mecosta County.3 federal disasters brought FEMA money to Morley
Disasters that paid out in Morley itself (aid to households or repair grants to the Village of Morley), newest first, with that year’s flood claims.
- 2026Severe Storms, Tornadoes, and Flooding1 households applied for aid$29K aid approved
- 2000Snow$998 to the Village of Morley for repairs
- 1999Mi - Severe Weather 1/2 /99$761 to the Village of Morley for repairs
Mecosta County has had 10 natural disasters declared by the President since 1953, most often floods, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Morley after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Morley archive →Get ready for what Morley faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- 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.
- 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.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Morley
Is Morley 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 Mecosta County, 19% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.
How much is flood insurance in Morley?
FEMA’s Community Rating System list shows no discount for Morley’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Morley?
By FEMA money that reached Morley, Severe Storms, Tornadoes, and Flooding (2026): 1 households applied for aid, $29K approved.
Storm stories
Memories, warnings and help from neighbors in Morley.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Morley’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.