Photo: DDuPont510 · CC BY-SA 4.0Storms, floods and disasters in Morgan's Point
Morgan's Point isn’t graded for hazard risk: Morgan's Point has 233 residents; we grade towns of 1,000 or more. Flood insurance has paid 16 claims here since 1979.
What Morgan's Point faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
Hurricanes
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.
Does Morgan's Point flood? Sometimes: 16 flood claims since 1979
Every paid claim on a federal flood insurance policy in Morgan's Point, from FEMA’s records.
- Hurricane Alicia3 claims · $72K
- Tropical Storm Allison3 claims · $10K
- Hurricane Harvey3 claims · $214K
Morgan's Point isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Harris County.7 federal disasters brought FEMA money to Morgan's Point
Disasters that paid out in Morgan's Point itself (aid to households or repair grants to the City of Morgan's Point), newest first, with that year’s flood claims.
- 2024Hurricane Beryl2 households applied for aid$750 aid approved$261K to the City of Morgan's Point for repairs
- 2024Severe Storms, Straight-line Winds, Tornadoes, and Flooding4 households applied for aid$4K aid approved
- 2021Severe Winter Storms$7K to the City of Morgan's Point for repairs
- 2020Tropical Storms Marco and Laura$21K to the City of Morgan's Point for repairs
- 2017Hurricane Harvey3 households applied for aid$13K aid approved$78K to the City of Morgan's Point for repairs3 flood claims paid for it, $214K
- 2008Hurricane Ike$354K to the City of Morgan's Point for repairs2 flood claims paid for it, $244K
Show all 7
- 2005Hurricane Rita$23K to the City of Morgan's Point for repairs
Harris County has had 34 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.
Also 1 FEMA wildfire suppression grant (Fire Management Assistance, not a disaster declaration) for fires in Harris County, 2011–2011.
Old photos of Morgan's Point after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Morgan's Point archive →Morgan's Point and its neighbors
How expected damage per building compares across the town line. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| La Porte | C−more damage than 84% | river and rain flooding | 2,498 |
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's Point faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- The season runs June through November and peaks from mid-August to mid-October.
- Bring in porch furniture and anything the wind can throw.
- Fill the gas tank and charge phones before the storm arrives.
- 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's Point
Does Morgan's Point flood?
Flood insurance has paid 16 claims in Morgan's Point since 1979, $613K in all. 1 properties have flooded more than once. The most claims came from Hurricane Alicia (3).
Is Morgan's Point 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 Harris County, 48% of homes in mapped flood zones carry federal flood insurance, and 16.6% of all homes do.
How much is flood insurance in Morgan's Point?
FEMA’s Community Rating System list shows no discount for Morgan's Point’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's Point?
By FEMA money that reached Morgan's Point, Hurricane Ike (2008): $354K to the City of Morgan's Point for repairs. By flood claims, Hurricane Alicia: 3 paid, $72K.
Storm stories
Memories, warnings and help from neighbors in Morgan's Point.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Morgan's Point’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.