Morgan County Disaster Risk
Morgan County, Indiana
FEMA Risk Rating
Relatively Low
National Percentile
63th
of 3,144 counties
State Rank
#25
of 92 (1 = highest risk)
Flood Risk
71th
percentile
Hazard Risk Breakdown
Flood
River, coastal, and surface flooding risk
Relatively Low
Higher than 71% of US counties
Wildfire
Wildland and wildland-urban interface fire risk
Very Low
Higher than 23% of US counties
Tornado
Tornado and severe thunderstorm risk
Relatively Low
Higher than 78% of US counties
Earthquake
Seismic activity and ground shaking risk
Relatively Low
Higher than 72% of US counties
Hurricane
Tropical cyclone and hurricane risk
Very Low
Higher than 10% of US counties
Risk Overview
About Natural Disaster Risk in Morgan County, Indiana
Morgan County faces moderate-to-high risk
Morgan County's composite risk score of 63.49 substantially exceeds Indiana's state average of 45.52, placing it in the relatively low category but with notable hazard exposure. Tornado risk reaches 77.67 and flood risk climbs to 70.87, both well above state norms, while earthquake risk at 72.01 adds further vulnerability. Nationally, Morgan County ranks in the middle-to-upper range for natural disaster risk.
Among Indiana's higher-risk counties
Morgan County ranks in the upper-middle tier of Indiana's risk landscape with a composite score of 63.49, substantially above the state average of 45.52. Only Marion County (97.49) and Monroe County (75.99) exceed it in statewide rankings, placing Morgan County among the state's most hazard-exposed regions. Most Indiana counties face lower combined natural disaster vulnerability.
Riskier than most surrounding areas
Morgan County's 63.49 score substantially exceeds Miami County (52.80) and both Montgomery County (41.00) and Marshall County (41.60) to the north. Only Monroe County (75.99) ranks higher among nearby regions, establishing Morgan County as a clear risk leader in its immediate vicinity. Surrounding areas face measurably lower natural disaster threats.
Tornadoes, floods, and earthquakes threaten
Morgan County residents face convergent threats from tornadoes (77.67), floods (70.87), and earthquakes (72.01), each substantially above state averages. This three-part hazard profile makes Morgan County one of Indiana's more vulnerable regions. Comprehensive preparation addressing all three categories is essential for household safety.
Invest in comprehensive coverage
Morgan County residents should add flood insurance and consider earthquake coverage, as standard homeowners policies exclude both water damage and seismic events. Identify local flood risks and develop tornado plans, then practice drills with family members. Annual policy reviews ensure coverage remains adequate for this moderate-to-high-risk environment.
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
Source: FEMA National Risk Index v1.19.0 · Percentiles are national (3,144 counties)
Risk Advisory: Morgan County
Risk Verdict
Morgan County has a below-average natural disaster risk profile, scoring at the 63th percentile nationally under FEMA's National Risk Index. Households in Morgan County benefit from knowing which individual hazard types — flood, wildfire, tornado, or hurricane — are the primary contributors.
Hazard Breakdown
Tornado risk is Morgan County's dominant natural hazard, ranked at the 78th percentile nationally under FEMA's National Risk Index. Earthquake ranks second at the 72th percentile nationally. Additional tracked hazards include flood (71th percentile), wildfire (23th percentile), hurricane (10th percentile).
Preparedness Context
Tornado risk is Morgan County's top-ranked natural hazard at the 78th percentile nationally. For Morgan County households, the most protective action available is identifying a reinforced interior room on the lowest floor — a bathroom, closet, or central hallway away from windows. Alongside tornado exposure, earthquake at the 72th percentile nationally means Morgan County households face multi-hazard severe-weather seasons that benefit from a single integrated emergency plan covering both threats. A battery-powered NOAA All Hazards weather radio with an auto-alert tone is the highest-leverage single item for tornado preparedness in Morgan County, since it delivers warnings even when power is out and phone networks are congested.
Regional Context
Morgan County's composite risk score sits 18.0 points above the Indiana county average, placing it among the more hazard-exposed counties in the state.
Is your household prepared for Morgan County's hazards?
Review FEMA's county-specific preparedness checklists and emergency planning guides.
Frequently Asked Questions
What is the natural disaster risk in Morgan County, IN?
What types of natural hazards affect Morgan County?
How does Morgan County risk compare to the Indiana average?
Is Morgan County at risk for tornado?
How is natural disaster risk measured?
Why is Morgan County higher risk than average?
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.