On FEMA’s figures, Morristown faces more hazard damage per building than 89% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Morristown gets a D for hazard risk: higher expected damage per building than 89% of U.S. towns. Most of that expected damage is river and rain flooding (80%). Flood insurance has paid 3 claims here since 2014.
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
What Morristown 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
Tornadoes
Strong wind
Hail
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.
What’s behind Morristown’s grade
River and rain flooding is 80% of the building damage FEMA expects in Morristown, and Morristown’s rate of river and rain flooding damage is in the top 7% of U.S. census tracts. Tornadoes add 9%, at a rate in the top 4% of U.S. census tracts.
D higher expected damage per building than 89% of U.S. towns (21,298).
All of Morristown’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $1.1M a year in losses across Morristown: $910K to buildings, the rest to people and crops.
Does Morristown flood? Rarely: 3 flood claims since 2014
Every paid claim on a federal flood insurance policy in Morristown, from FEMA’s records: 5.9 per 1,000 homes, more than 64% of the 13,809 U.S. towns with a flood insurance record.
- The June Midwest Flooding1 claim · $43K
Morristown isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Rice County.4 federal disasters brought FEMA money to Morristown
Disasters that paid out in Morristown itself (aid to households or repair grants to the City of Morristown), newest first, with that year’s flood claims.
- 2024Severe Storms and Flooding30 households applied for aid$229K aid approved$207K to the City of Morristown for repairs1 flood claim paid that year
- 2016Severe Storms and Flooding5 households applied for aid$4K aid approved$36K to the City of Morristown for repairs1 flood claim paid that year
- 2014Severe Storms, Straight-line Winds, Flooding, Landslides, and Mudslides$62K to the City of Morristown for repairs1 flood claim paid that year
- 2010Severe Storms and Flooding$6K to the City of Morristown for repairs
Rice County has had 11 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 Morristown after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Morristown archive →Get ready for what Morristown faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- 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.
- 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.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- Park in a garage or under cover when storms are forecast.
- Stay away from windows while it falls.
- Photograph roof and car damage for your insurer.
- 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 Morristown
Is Morristown at risk for natural disasters?
On FEMA’s National Risk Index, Morristown has higher expected damage per building than 89% of U.S. towns: D for hazard risk. Most of the expected damage is river and rain flooding (80%) and tornadoes (9%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Morristown flood?
Flood insurance has paid 3 claims in Morristown since 2014, $48K in all, or 5.9 per 1,000 homes, more than 64% of U.S. towns with a flood insurance record. 1 properties have flooded more than once. The most claims came from June Midwest Flooding (1).
Is Morristown 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 Rice County, 12% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.
How much is flood insurance in Morristown?
FEMA’s Community Rating System list shows no discount for Morristown’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 Morristown?
By FEMA money that reached Morristown, Severe Storms and Flooding (2024): 30 households applied for aid, $229K approved, and $207K to the City of Morristown for repairs. By flood claims, June Midwest Flooding: 1 paid, $43K.
Is Morristown at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (80%), and Morristown’s rate for it is in the top 7% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Morristown.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Morristown’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.