Photo: Chillin662 · CC BY-SA 4.0Storms, floods and disasters in Morgan City
Morgan City isn’t graded for hazard risk: Morgan City has 130 residents; we grade towns of 1,000 or more. Flood insurance has paid 3 claims here since 1980.
What Morgan City 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
Earthquakes
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 Morgan City flood? Rarely: 3 flood claims since 1980
Every paid claim on a federal flood insurance policy in Morgan City, from FEMA’s records.
Morgan City isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Leflore County.2 federal disasters brought FEMA money to Morgan City
Disasters that paid out in Morgan City itself (aid to households or repair grants to the Town of Morgan City), newest first, with that year’s flood claims.
- 2026Severe Winter Storm62 households applied for aid$145K aid approved
- 2025Severe Storms, Straight-line Winds, Tornadoes, and Flooding1 households applied for aid$11K aid approved
Leflore County has had 21 natural disasters declared by the President since 1953, most often severe storms, then winter storms.
Old photos of Morgan City after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Morgan City archive →Get ready for what Morgan City 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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 Morgan City
Does Morgan City flood?
Flood insurance has paid 3 claims in Morgan City since 1980, $2K in all.
Is Morgan City 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 Leflore County, 16% of homes in mapped flood zones carry federal flood insurance, and 5.1% of all homes do.
How much is flood insurance in Morgan City?
FEMA’s Community Rating System list shows no discount for Morgan City’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 Morgan City?
By FEMA money that reached Morgan City, Severe Winter Storm (2026): 62 households applied for aid, $145K approved.
Storm stories
Memories, warnings and help from neighbors in Morgan City.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Morgan City’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.