Photo: Nyttend · Public domainMore hazard damage per building is expected in Morrow than in 67% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Morrow gets a C for hazard risk: higher expected damage per building than 67% of U.S. towns. Most of that expected damage is river and rain flooding (88%). Flood insurance has paid 17 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 Morrow 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 Morrow’s grade
River and rain flooding is 88% of the building damage FEMA expects in Morrow, and Morrow’s rate of river and rain flooding damage is higher than 81% of U.S. census tracts. Next is tornadoes at 6% (higher than 71% of U.S. census tracts).
C higher expected damage per building than 67% of U.S. towns (21,298).
All of Morrow’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $764K a year in losses across Morrow: $570K to buildings, the rest to people and crops.
Does Morrow flood? Sometimes: 17 flood claims since 1978
Every paid claim on a federal flood insurance policy in Morrow, from FEMA’s records: 19.3 per 1,000 homes, more than 84% of the 13,809 U.S. towns with a flood insurance record.
- The March storm6 claims · $46K
Morrow isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Warren County.2 federal disasters brought FEMA money to Morrow
Disasters that paid out in Morrow itself (aid to households or repair grants to the Village of Morrow), newest first, with that year’s flood claims.
- 2008Severe Wind Storm Associated with Tropical Depression Ike$10K to the Village of Morrow for repairs7 flood claims paid that year
- 2004Snow$2K to the Village of Morrow for repairs
Warren County has had 10 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 Morrow after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Morrow archive →Morrow and its neighbors
Morrow has the lowest expected damage per building of the 1 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Morrow | Cmore damage than 67% | river and rain flooding | 17 |
| Roachester | — | 351 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 Morrow 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 Morrow
Is Morrow at risk for natural disasters?
On FEMA’s National Risk Index, Morrow has higher expected damage per building than 67% of U.S. towns: C for hazard risk. Most of the expected damage is river and rain flooding (88%) and tornadoes (6%). 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 Morrow flood?
Flood insurance has paid 17 claims in Morrow since 1978, $94K in all, or 19.3 per 1,000 homes, more than 84% of U.S. towns with a flood insurance record. 3 properties have flooded more than once. The most claims came from March storm (6).
Is Morrow 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 Warren County, 21% of homes in mapped flood zones carry federal flood insurance, and 0.6% of all homes do.
How much is flood insurance in Morrow?
FEMA’s Community Rating System list shows no discount for Morrow’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 Morrow?
By FEMA money that reached Morrow, Severe Wind Storm Associated with Tropical Depression Ike (2008): $10K to the Village of Morrow for repairs. By flood claims, March storm: 6 paid, $46K.
Is Morrow at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (88%), and Morrow’s rate for it is higher than 81% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Morrow.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Morrow’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.