Photo: Nyttend · Public domainMore hazard damage per building is expected in Morgan Township than in 83% of U.S. towns, 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 83% of U.S. towns. Most of that expected damage is river and rain flooding (93%). Flood insurance has paid 47 claims here since 1978.
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
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 93% of the building damage FEMA expects in Morgan Township, and Morgan Township’s rate of river and rain flooding damage is in the top 8% of U.S. census tracts. Ice storms add 1%, at a rate in the top 10% of U.S. census tracts.
C− higher expected damage per building than 83% of U.S. towns (21,298).
Morgan Township’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $1.4M a year in losses across Morgan Township: $1.2M to buildings, the rest to people and crops.
Does Morgan Township flood? Sometimes: 47 flood claims since 1978
Every paid claim on a federal flood insurance policy in Morgan Township, from FEMA’s records: 37.2 per 1,000 homes, more than 90% of the 13,809 U.S. towns with a flood insurance record.
- Tropical Storm Ivan1 claim · $2K
- The March storm1 claim · $59K
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: Morgan County.The storms Morgan Township remembers
None of the 14 disasters declared for Morgan County shows FEMA aid or repair money reaching Morgan Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 200517 flood claims paidNo declaration for the county that year
- 20046 flood claims paidThe year of Severe Winter Storms, Flooding, and Mudslides, declared for Morgan County
- 19805 flood claims paidNo declaration for the county that year
Morgan County has had 14 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 is 4th of the 4 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Windsor Township | C−more damage than 78% | river and rain flooding | — |
| Malta Township | C−more damage than 79% | river and rain flooding | — |
| McConnelsville | C−more damage than 83% | river and rain flooding | 22 |
| Morgan Township | C−more damage than 83% | river and rain flooding | 47 |
| Meigsville Township | — | not graded yet | |
| Bloom Township | — | 920 residents; we grade 1,000+ | |
| Malta | — | 649 residents; we grade 1,000+ | |
| Bristol Township | — | 281 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.
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.
- 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 higher expected damage per building than 83% of U.S. towns: C− for hazard risk. Most of the expected damage is river and rain flooding (93%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Morgan Township flood?
Flood insurance has paid 47 claims in Morgan Township since 1978, $551K in all, or 37.2 per 1,000 homes, more than 90% of U.S. towns with a flood insurance record. The most claims came from Tropical Storm Ivan (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 Morgan County, 5% 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, Tropical Storm Ivan: 1 paid, $2K.
Is Morgan Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (93%), and Morgan Township’s rate for it is in the top 8% 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.