Photo: Nyttend · Public domainFor tornadoes, Morgan Township’s building-damage rate is in the top 3% of U.S. census tracts
On FEMA’s National Risk Index, Morgan Township gets a B for hazard risk: lower expected damage per building than 56% of U.S. towns, #764 of 993 in Ohio. Most of that expected damage is river and rain flooding (71%), then tornadoes (21%). Flood insurance has paid 7 claims here since 1995.
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 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
Tornadoes
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 Morgan Township’s grade
River and rain flooding is 71% of the building damage FEMA expects in Morgan Township, and Morgan Township’s rate of river and rain flooding damage is higher than 52% of U.S. census tracts. Tornadoes add 21%, at a rate in the top 3% of U.S. census tracts.
B #764 of 993 in Ohio; lower expected damage per building than 56% of U.S. towns (21,298).
All of Morgan Township’s residents live in one census tract; the figures are that tract’s.
The typical Ohio town has lower expected damage than 79% of U.S. towns; within the state, Morgan Township has more expected damage per building than 77% of Ohio towns.
In dollars, FEMA expects about $1.7M a year in losses across Morgan Township: $1.2M to buildings, the rest to people and crops.
Does Morgan Township flood? Rarely: 7 flood claims since 1995
Every paid claim on a federal flood insurance policy in Morgan Township, from FEMA’s records: 3.8 per 1,000 homes, more than 54% of the 13,809 U.S. towns with a flood insurance record.
- The March storm1 claim · $3K
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: Butler County.The storms Morgan Township remembers
None of the 11 disasters declared for Butler County shows FEMA aid or repair money reaching Morgan Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20124 flood claims paidThe year of Severe Storms, declared for Butler County
- 19951 flood claims paidNo declaration for the county that year
- 20081 flood claims paidThe year of Severe Wind Storm Associated with Tropical Depression Ike, declared for Butler County
Butler County has had 11 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.
Old photos of Morgan Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Morgan Township archive →Morgan Township and its neighbors
Morgan Township has the lowest expected damage per building of the 5 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Morgan Township | Bless damage than 56% | river and rain flooding | 7 |
| Reily Township | B−less damage than 55% | river and rain flooding | 6 |
| Whitewater Township | Cmore damage than 70% | river and rain flooding | — |
| Crosby Township | Cmore damage than 71% | river and rain flooding | 34 |
| Ross Township | Cmore damage than 74% | river and rain flooding | 26 |
| Harrison Township | — | not graded yet | |
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.
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.
- 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.
- 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 Township
Is Morgan Township at risk for natural disasters?
On FEMA’s National Risk Index, Morgan Township has lower expected damage per building than 56% of U.S. towns: B for hazard risk, #764 of 993 in Ohio. Most of the expected damage is river and rain flooding (71%) and tornadoes (21%). 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 Morgan Township flood?
Flood insurance has paid 7 claims in Morgan Township since 1995, $74K in all, or 3.8 per 1,000 homes, more than 54% of U.S. towns with a flood insurance record. The most claims came from March storm (1).
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 Butler County, 26% of homes in mapped flood zones carry federal flood insurance, and 0.5% 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.
What was the biggest storm in Morgan Township?
By flood claims, March storm: 1 paid, $3K.
Is Morgan Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (71%), and Morgan Township’s rate for it is higher than 52% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Morgan Township.
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.