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Morton Texas City HallPhoto: Leaflet · CC BY-SA 3.0
BHazard risk
Natural hazards in Morton · FEMA

Morton’s building-damage rate from hail is in the top 2% of U.S. census tracts

On FEMA’s National Risk Index, Morton gets a B for hazard risk: lower expected damage per building than 57% of U.S. towns. Most of that expected damage is hail (36%), then river and rain flooding (28%). FEMA’s files show no paid flood insurance claims here.

Hail 36%River and rain flooding 28%Tornadoes 14%

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

less than 57%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
B
in Texas · lower than 57% of U.S. towns
Main hazard
Hail
36% of expected building damage
Flood claims
0
paid since 1978 · $0
Disasters paid out here
0
of 11 declared for Cochran County
By hazard

What Morton faces

Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.

Hail

36%of expected building damage
Well above average · in the top 2% of U.S. census tracts
Recorded about 4 times a year in the area

River and rain flooding

28%of expected building damage
Well below average · lower than 96% of U.S. census tracts
Recorded about once every 4 years in the area

Tornadoes

14%of expected building damage
Well above average · higher than 88% of U.S. census tracts
Recorded about once every 2 years in the area

Wildfire

12%of expected building damage
Well above average · in the top 5% of U.S. census tracts
Smaller shares here
 Winter storms top 4% Earthquakes Ice storms Lightning Hurricanes Cold waves Heat waves Landslides
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts drought at 45% of Morton’s expected losses. Drought does little damage to buildings (0.0%), so they aren’t part of the grade.

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.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Hazard risk grade

What’s behind Morton’s grade

Hail is 36% of the building damage FEMA expects in Morton, and Morton’s rate of hail damage is in the top 2% of U.S. census tracts. Wildfire adds 12%, at a rate in the top 5% of U.S. census tracts.

Where Morton sits
Morton
Least damageMiddleMost damage

B lower expected damage per building than 57% of U.S. towns (21,298).

All of Morton’s residents live in one census tract; the figures are that tract’s.

What drives the damage to buildings
Hail36%River and rain flooding28%Tornadoes14%Everything else23%

In dollars, FEMA expects about $2.6M a year in losses across Morton: $607K to buildings, the rest to people and crops.

Shared tract.All of Morton’s 1,690 residents (2020 census) live in one census tract, which it shares with Whiteface town (375 residents) and Bledsoe CDP (56 residents). FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s, the same for all of them. The flood claims below are the town’s own.
A shared figure. The grade describes the whole tract, not each street in it, and FEMA’s model is an average year for today’s buildings, not a record: the claims below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Morton flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Morton. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.

of all homes are insured
No community discount

Morton isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Cochran County.
Disasters

The storms Morton remembers

None of the 11 disasters declared for Cochran County shows FEMA aid or repair money reaching Morton itself in FEMA’s records, so these are its biggest flood-claim years.

Disasters declared, by decade
Paid out in MortonCochran County only

Cochran 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.

Be ready

Get ready for what Morton faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

Hail
  • Park in a garage or under cover when storms are forecast.
  • Stay away from windows while it falls.
  • Photograph roof and car damage for your insurer.
More from Ready.gov ↗
When the river rises
  • 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.
More from Ready.gov ↗
Tornado warnings
  • 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.
More from Ready.gov ↗
Wildfire
  • Clear dead leaves and brush within 5 feet of the house.
  • Sign up for local alerts and know two ways out.
  • Keep N95 masks for smoky days.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Morton

Is Morton at risk for natural disasters?

On FEMA’s National Risk Index, Morton has lower expected damage per building than 57% of U.S. towns: B for hazard risk. Most of the expected damage is hail (36%) and river and rain flooding (28%). 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.

Is Morton 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 Cochran County, 0.1% of all homes carry federal flood insurance.

How much is flood insurance in Morton?

FEMA’s Community Rating System list shows no discount for Morton’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.

Is Morton at risk from hail?

It is the largest share of the building damage FEMA expects here (36%), and Morton’s rate for it is in the top 2% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Morton.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Morton’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.