Photo: Royalbroil · CC BY-SA 3.0FEMA expects less hazard damage per building in Morgan than in 78% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Morgan gets an A− for hazard risk: lower expected damage per building than 78% of U.S. towns. Most of that expected damage is river and rain flooding (81%), then tornadoes (12%). Flood insurance has paid 3 claims here since 2019.
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 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
Hail
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’s grade
River and rain flooding is 81% of the building damage FEMA expects in Morgan, and Morgan’s rate of river and rain flooding damage is lower than 57% of U.S. census tracts. Next is tornadoes at 12% (higher than 73% of U.S. census tracts).
A− lower expected damage per building than 78% of U.S. towns (21,298).
Morgan’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $515K a year in losses across Morgan: $308K to buildings, the rest to people and crops.
Does Morgan flood? Rarely: 3 flood claims since 2019
Every paid claim on a federal flood insurance policy in Morgan, from FEMA’s records: 6.1 per 1,000 homes, more than 65% of the 13,809 U.S. towns with a flood insurance record.
Morgan isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Oconto County.The storms Morgan remembers
None of the 3 disasters declared for Oconto County shows FEMA aid or repair money reaching Morgan itself in FEMA’s records, so these are its biggest flood-claim years.
- 20202 flood claims paidNo declaration for the county that year
- 20191 flood claims paidThe year of Severe Storms, Tornadoes, Straight-line Winds, and Flooding, declared for Oconto County
Oconto County has had 3 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.
Old photos of Morgan after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Morgan archive →Morgan and its neighbors
Morgan is 3rd of the 5 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 |
|---|---|---|---|
| Oconto Falls | Aless damage than 92% | river and rain flooding | 2 |
| Chase | A−less damage than 81% | river and rain flooding | — |
| Morgan | A−less damage than 78% | river and rain flooding | 3 |
| Abrams | B+less damage than 70% | river and rain flooding | 10 |
| Green Valley | Bless damage than 61% | river and rain flooding | — |
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 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.
- 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.
- 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
Is Morgan at risk for natural disasters?
On FEMA’s National Risk Index, Morgan has lower expected damage per building than 78% of U.S. towns: A− for hazard risk. Most of the expected damage is river and rain flooding (81%) and tornadoes (12%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Morgan flood?
Flood insurance has paid 3 claims in Morgan since 2019, $94K in all, or 6.1 per 1,000 homes, more than 65% of U.S. towns with a flood insurance record.
Is Morgan 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 Oconto County, 17% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.
How much is flood insurance in Morgan?
FEMA’s Community Rating System list shows no discount for Morgan’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Morgan at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (81%), and Morgan’s rate for it is lower than 57% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Morgan.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Morgan’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.