riskbycounty
FEMA NRI 1.19.0Updated Nov 2023 · Coverage 2014–2023Methodology

Morgan County Disaster Risk

Morgan County, Georgia

FEMA Risk Rating

Very Low

National Percentile

19th

of 3,144 counties

State Rank

#111

of 159 (1 = highest risk)

Flood Risk

38th

percentile

Hazard Risk Breakdown

Flood

River, coastal, and surface flooding risk

Very Low

Higher than 38% of US counties

Wildfire

Wildland and wildland-urban interface fire risk

Very Low

Higher than 38% of US counties

Tornado

Tornado and severe thunderstorm risk

Very Low

Higher than 39% of US counties

Earthquake

Seismic activity and ground shaking risk

Relatively Low

Higher than 52% of US counties

Hurricane

Tropical cyclone and hurricane risk

Relatively Low

Higher than 57% of US counties

Risk Overview

About Natural Disaster Risk in Morgan County, Georgia

Morgan's risk sits well below national average

Morgan County scores 19.37 on the composite risk scale, earning a Very Low rating and placing it significantly below the national average. Your community ranks among America's safer counties for natural disaster exposure.

Well below Georgia's average risk

Morgan's score of 19.37 represents less than half of Georgia's state average of 39.49, making it one of the state's safest counties. This central Georgia region enjoys notably low exposure across all major hazard categories.

Safest group in the region

Morgan County (19.37) clusters with Meriwether (19.21), Monroe (18.70), and Miller (20.80) in the region's safest tier, while McDuffie (24.97) sits slightly higher. All five counties rank in Georgia's Very Low risk category.

Earthquake and hurricane risks most elevated

Earthquake risk (52.32) and hurricane risk (57.45) represent your highest scores, though both remain modest compared to coastal counties. Tornado (38.71), wildfire (38.33), and flood (38.42) risks balance out to create a relatively even, low-threat profile.

Standard insurance covers your needs

Standard homeowners insurance adequately protects Morgan County properties across all common threats, with verified wind and tornado coverage sufficient for your profile. Verify flood coverage only if your home sits within a mapped floodplain; otherwise, annual policy review provides peace of mind.

Source: FEMA National Risk Index · Narrative reviewed by Evan Brooks, Data Editor

Preparedness Guide

What to Prepare for in Morgan County

Top Hazards by Exposure

  1. #1
    HurricanePrepare
    57th percentile
  2. #2
    EarthquakePrepare
    52th percentile
  3. #3
    TornadoPrepare
    39th percentile

Source: FEMA National Risk Index v1.19.0 · Percentiles are national (3,144 counties)

Local Resources

Risk Advisory: Morgan County

Risk Verdict

At the 19th percentile nationally, Morgan County experiences relatively limited natural hazard pressure compared to most of the country. The 19th percentile national ranking is one lens; Morgan County residents also benefit from reviewing which specific hazard types drive the county's composite score and preparing accordingly.

Hazard Breakdown

Hurricane risk is Morgan County's dominant natural hazard, ranked at the 57th percentile nationally under FEMA's National Risk Index. Earthquake ranks second at the 52th percentile nationally. Additional tracked hazards include tornado (39th percentile), flood (38th percentile), wildfire (38th percentile).

Preparedness Context

Morgan County ranks at the 57th percentile nationally for hurricane risk. For coastal counties, wind-resistant shutters or impact-rated windows represent the highest single structural investment for reducing property damage. Earthquake at the 52th percentile nationally is Morgan County's secondary hazard, often intensified by the same weather systems that produce hurricane conditions. For extended post-storm outages common in Morgan County's hurricane zone, a portable generator (operated outdoors only) and a supply of non-perishable food for at least seven days provides meaningful household resilience.

Regional Context

A composite score 20.1 points below the Georgia state average puts Morgan County in a better-than-typical position relative to neighboring counties.

Is your household prepared for Morgan County's hazards?

Review FEMA's county-specific preparedness checklists and emergency planning guides.

FEMA Ready Guide →

Frequently Asked Questions

What is the natural disaster risk in Morgan County, GA?
Morgan County has a FEMA National Risk Index rating of Very Low, placing it in the 19th percentile nationally out of 3,144 counties. This composite score reflects the county's overall exposure to natural hazards including floods, wildfires, tornadoes, earthquakes, and hurricanes, weighted by expected annual loss and social vulnerability.
What types of natural hazards affect Morgan County?
Morgan County is evaluated for five major natural hazard types: hurricane (57th percentile), earthquake (52th percentile), tornado (39th percentile), flooding (38th percentile), wildfire (38th percentile). The highest-risk hazard is hurricane at the 57th percentile nationally. These scores are derived from FEMA's National Risk Index, which analyzes expected annual loss, social vulnerability, and community resilience for each hazard type.
How does Morgan County risk compare to the Georgia average?
Morgan County's composite risk percentile is 19th, compared to the Georgia state average of 40th percentile. The state's overall risk rating is Very Low. This means Morgan County faces lower natural disaster risk than the typical county in Georgia.
Is Morgan County at risk for hurricane?
Yes, Morgan County's hurricane risk is at the 57th percentile nationally. This is above the national median. For flooding specifically, Morgan County is at the 38th percentile.
How is natural disaster risk measured?
FEMA's National Risk Index (NRI) calculates risk scores for 18 natural hazard types across all U.S. counties and census tracts. The composite score combines Expected Annual Loss (estimated dollar losses from each hazard), Social Vulnerability (demographic factors affecting disaster impact), and Community Resilience (ability to recover). Percentile scores rank each county against all 3,144 U.S. counties, and risk ratings range from Very Low to Very High.
Is Morgan County a safe place to live?
Morgan County's composite risk score of 19th percentile is below the Georgia state average of 40th percentile, indicating relatively lower exposure to natural hazards. However, no county is completely risk-free. The primary hazard type is hurricane at the 57th percentile. Residents should still maintain emergency preparedness plans and appropriate insurance coverage.

Counties with Similar Risk

Oconee County

Georgia

+0.1

Very Low

19th percentile

Meriwether County

Georgia

-0.2

Very Low

19th percentile

Monroe County

Georgia

-0.7

Very Low

19th percentile

By Evan Brooks, Data EditorUpdated Reviewed by Evan Brooks, Data Editor

Data Source

Risk data sourced from the FEMA National Risk Index (NRI). Risk scores are relative rankings (0–100) across all US counties — not absolute risk measures. Higher scores indicate higher relative risk compared to other counties.

Disclaimer: This data is informational only. It is not financial, insurance, or legal advice. Always consult a qualified professional before making insurance or real estate decisions.

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