FEMA Records
13
Low volume
Georgia · FEMA + NOAA + National Risk Index
Morgan County, GA
13 FEMA disaster declarations (1977-2026), with a FEMA National Risk Index rating of Very Low. Most common hazard: Hurricane.
- 13
- FEMA declarations
- 5
- Major disasters
- 19
- NRI risk · Very Low
- Hurricane
- Top hazard
The verdict
Morgan County has a nationally busy FEMA history: 13 declarations, more than 17% of counties in this registry. But the state comparison tempers that reading: the total is 25% below the Georgia county mean. FEMA's separate National Risk Index places the county safer than 19%; that score models loss and vulnerability rather than counting declarations.
- Safer than 19%
- of U.S. counties for FEMA National Risk Index score
- Very Low
- FEMA National Risk Index rating
- 13
- FEMA declarations vs 21 national county avg
- 1
- NFIP flood insurance claims filed
FEMA's National Risk Index and its declaration registry are separate measures. This county's registry includes Major Disaster (DR) and Emergency (EM) records; an EM authorizes a narrower set of federal assistance than a DR.
FEMA OpenFEMA declaration desk
County FIPS 13211 · Morgan County 13 declarations · rank 2669/3,266
DECL-MID · MAJOR-LIGHT · RANK-LOWER · PHOTO-FINISH · NRI-LOW · ACT-HIGH · TYPE-LEAD · VS-ST-BELOW
- DECL-MID 13
- MAJOR-LIGHT 38%
- RANK-LOWER #2,669
- PHOTO-FINISH Clarke
- NRI-LOW Very Low
- ACT-HIGH High
- TYPE-LEAD Hurricane
- VS-ST-BELOW -25%
Nearest declaration peer: Clarke, GA (0 declaration gap)
FEMA Disaster Declarations Summaries v2 filing stamps for this county register. Read with this county → · Georgia state profile
Morgan County among counties with fewer federal records
FEMA declaration records among Morgan County and nearest peers by total count
- Los Angeles · largest
Los Angeles · largest
88 declarations
- Bristol (city) · near 13
Bristol (city) · near
13 declarations
- Clarke · near 13
Clarke · near
13 declarations
- Douglas · near 13
Douglas · near
13 declarations
- Morgan · this county 13
Morgan · this county
13 declarations
- Ujelang · smallest 1
Ujelang · smallest
1 declarations
What this shows Morgan County carries 13 FEMA declaration records, ranked 2669 of 3,266 counties in this registry.
Morgan County versus quieter counties in this dataset
Morgan County among lower-declaration counties nationally
FEMA disaster declarations, all-time · Morgan County
13 17th percentile higher than 17% of 3,266 counties
Each bar is a band; taller bars hold more counties. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source FEMA Disaster Declarations Summaries v2 · 2026-08-25
Morgan County's FEMA Risk Index score
Which hazard drives modeled loss here?
FEMA's modeled annual dollar loss for Morgan County is led by Riverine Flooding (about $5.2M Expected Annual Loss, Historical Loss Ratio Relatively High), while Hurricane carries the highest National Risk Index rating (Very Low). EAL and risk score use different inputs; they need not agree.
Source: FEMA National Risk Index (December 2025 release) - Expected Annual Loss vs composite risk rating by hazard.
What does Morgan County's hazard record show?
FEMA National Risk Index
This county's FEMA National Risk Index composite lands at 19.4/100 (Very Low), a modest reading against the rest of the country. Expected Annual Loss is rated Very Low (roughly $8.2M in annualized losses), tempered or compounded by a Relatively Low social-vulnerability score and Relatively High community-resilience score. Even the county's top-rated hazard, Hurricane, only reaches Very Low on FEMA's scale, none of the 18 modeled hazards stand out here. FEMA's modeled frequency puts that hazard at roughly once every 22 years here, based on 13 historical events on record.
Reading the federal records together
This county has a small entry in FEMA's NFIP paid-claims table: 1 claim and $0 paid in total. PlainHazard calls 1-49 claims a light registry record, a label for this dataset rather than a finding that flood exposure is low. A short claims history can also reflect insurance take-up, the period covered, or losses that were never insured.
Start with the state benchmark: a Georgia county averages 17.4 federal declaration records, while Morgan County has 13. The gap is 25% below that mean. Fewer entries indicate a quieter history of recorded federal actions, not immunity from a hazard and not a prediction about what happens next.
46 /100
Historical Activity Index
Moderate historical activity
Morgan County, GA · PlainHazard-derived composite from federal records
This 0–100 index is an explicit PlainHazard composite from FEMA declaration history only on the county surface (this DB has no county-level NOAA damage row) . It is not FEMA's National Risk Index, not a forecast, and not a safety, insurance, or preparedness rating. Open the calculator · Methodology
FEMA Declarations (1953–present) Moderate
9/30
13 OpenFEMA declarations, full ingest window (0.6x national county average)
County Disaster Density Moderate
9/25
13 declarations (0.7x state county average of 17)
Major Disaster Share Moderate
10/25
5 of 13 declarations are major disasters (38%)
Hazard Diversity Very High
18/20
7 different disaster types declared in Morgan County
FEMA NRI 8-hazard radar - Morgan County
How to read this radar
Each axis: NRI risk rating (Very Low-Very High) on a 0-100 scale. Rounder = broad exposure; spiky = one or two hazards dominate.
Major Disaster share
38%
Mixed major share
NRI risk score
19
Very Low
Source: FEMA National Risk Index Per-county per-hazard ratings, December 2025 release
How often does each hazard strike Morgan County?
FEMA's National Risk Index models a historical event count and an annualized frequency for each hazard type. Most hazards are expressed as modeled occurrences per year; FEMA expresses drought and heat-wave frequency as event-days per year. These modeled frequencies are not forecasts.
| Hazard | NRI Risk Rating | Recurrence |
|---|---|---|
| Hurricane | Very Low | roughly once every 22 years |
| Drought | Relatively Low | 58 modeled event-days per year |
| Earthquake | Very Low | roughly once every 524 years |
| Ice Storm | Relatively Low | roughly once every 1 years |
| Hail | Relatively Low | an average of 4.2 times per year |
| Tornado | Relatively Low | roughly once every 5 years |
| Riverine Flooding | Relatively Low | roughly once every 3 years |
| Wildfire | Very Low | roughly once every 1,663 years |
| Heat Wave | Very Low | 5.2 modeled event-days per year |
| Strong Wind | Relatively Low | an average of 2.2 times per year |
| Lightning | Relatively Low | an average of 58 times per year |
| Cold Wave | Very Low | roughly once every 3 years |
| Landslide | Very Low | roughly once every 6 years |
| Winter Weather | Very Low | an average of 1.6 times per year |
Source: FEMA National Risk Index Modeled annualized frequency; drought and heat wave use event-days/year, December 2025 release
Disaster Types
Hurricane 4
Biological 2
Severe Storm 2
Severe Ice Storm 2
Winter Storm 1
Tropical Storm 1
Drought 1
What Hurricane declarations mean here
Hurricane is the most frequent declaration type on Morgan County's federal record, 31% of its declarations. Atlantic tropical systems run on a defined season, 1 June to 30 November, with most activity concentrated between August and October; Pacific and territorial basins run on their own calendars. A single named storm routinely produces one declaration number covering a long corridor of counties at once, well inland as well as on the coast, which is why an affected county's count can jump by several in one year without several separate events having occurred.
One practical distinction matters when reading these records: a tropical declaration usually bundles wind, storm surge and inland rainfall flooding under a single incident, but the insurance behind them is split. Wind damage falls to property insurers, while flood and surge damage is covered only under a separate National Flood Insurance Program policy. That is why a county can show heavy declaration activity and a comparatively small NFIP claims record, or the reverse.
Declaration counts describe past federal action. They are a record of what was declared, not a forecast of future hazard probability.
Declaration Types
What DR / EM / FM mean
FEMA categorizes declarations as Major Disasters (DR), Emergencies (EM), or Fire Management Assistance (FM).
Emergency - 8 61.5%
of all 13 declarations
Major Disaster - 5 38.5%
of all 13 declarations
FEMA Declarations Timeline
| Year | Declarations | |
|---|---|---|
| 2026 | 1 | |
| 2024 | 1 | |
| 2020 | 2 | |
| 2019 | 1 | |
| 2017 | 2 | |
| 2016 | 1 | |
| 2014 | 2 | |
| 2011 | 1 | |
| 2005 | 1 | |
| 1977 | 1 | |
Disaster Declarations
How the 13 FEMA declarations break into federal action codes (DR / EM / FM). Same DISTINCT grain as the table below.
Download these 13 declarations as CSV . FEMA source data is public domain; our derived presentation is CC0.
| DR# | Title | Type | Incident | Date |
|---|---|---|---|---|
| 3642 | SEVERE WINTER STORM | EM | Winter Storm | 2026-01-24 |
| 3616 | HURRICANE HELENE | EM | Tropical Storm | 2024-09-26 |
| 4501 | COVID-19 PANDEMIC | DR | Biological | 2020-03-29 |
| 3464 | COVID-19 | EM | Biological | 2020-03-13 |
| 3406 | HURRICANE MICHAEL | EM | Hurricane | 2018-10-10 |
| 4338 | HURRICANE IRMA | DR | Hurricane | 2017-09-15 |
| 3387 | HURRICANE IRMA | EM | Hurricane | 2017-09-08 |
| 4259 | SEVERE STORMS AND FLOODING | DR | Severe Storm | 2016-02-26 |
| 4165 | SEVERE WINTER STORM | DR | Severe Ice Storm | 2014-03-06 |
| 3368 | SEVERE WINTER STORM | EM | Severe Ice Storm | 2014-02-11 |
| 1973 | SEVERE STORMS, TORNADOES, STRAIGHT-LINE WINDS, AND ASSOCIATED FLOODING | DR | Severe Storm | 2011-04-29 |
| 3218 | HURRICANE KATRINA EVACUATION | EM | Hurricane | 2005-09-05 |
| 3044 | DROUGHT | EM | Drought | 1977-07-20 |
Storm Events in Georgia
Statewide NOAA context only. PlainHazard does not currently attribute these state totals to Morgan County.
| Storm Type | Events | Fatalities | Injuries | Property Damage |
|---|---|---|---|---|
| Thunderstorm Wind | 9,617 | 15 | 75 | $65.4M |
| Drought | 1,363 | 0 | 0 | $0 |
| Hail | 1,257 | 0 | 0 | $61.8M |
| Flash Flood | 1,154 | 0 | 3 | $29.3M |
| Tropical Storm | 655 | 28 | 19 | $855.3M |
Source: NOAA Storm Events Database State-level aggregated data, 2015-2025
NFIP Flood Insurance Claims
Total Claims
1
Total Paid
$0
Avg Per Claim
$0
Source: FEMA National Flood Insurance Program (NFIP) OpenFEMA Claims Data
FEMA National Risk Index
Overall Risk
Very Low
Score: 19.4/100
Expected Annual Loss
Very Low
$8.2M/year
Social Vulnerability
Relatively Low
Community Resilience
Relatively High
Hazard Risk Breakdown
Hurricane Very Low
Drought Relatively Low
Earthquake Very Low
Ice Storm Relatively Low
Hail Relatively Low
Tornado Relatively Low
Riverine Flooding Relatively Low
Wildfire Very Low
Heat Wave Very Low
Strong Wind Relatively Low
Lightning Relatively Low
Cold Wave Very Low
Landslide Very Low
Winter Weather Very Low
Source: FEMA National Risk Index (NRI) Ratings reflect relative scores among all US counties. Data: hazards.fema.gov/nri
The model's sharpest exposure here: Hurricane
Hurricane exposure in the model bundles the three ways a tropical system does harm, which arrive on different timescales and are insured differently: wind, storm surge on the coast, and rainfall flooding that can reach far inland well after landfall.
For Morgan County the two measures on this page point the same way: Hurricane is the county's highest-rated modeled hazard (Very Low), and Hurricane declarations also lead its federal record. Where the model and the declaration history agree, the reading is comparatively straightforward, the hazard is both expected and repeatedly realised.
National Risk Index ratings are modeled estimates of expected annual loss, not predictions of what will happen in any given year.
Data-matched county comparisons
Morgan County's closest FEMA peer: Utah County, UT
Comparisons use published FEMA declaration fields plus the National Risk Index composite for Morgan County. Record similarity, not a safety rating.
Closest declaration profiles
Morgan County shows 13 FEMA declarations, led by Hurricane.
Similar Major-disaster share
Morgan County: 5 of 13 of its declarations are Major.
Similar modeled NRI score
Morgan County: NRI composite 19.4 (Very Low).
How these peers are chosen
Cohort: Published U.S. county equivalents outside the source state or territory. Each metric keeps six ETL candidates; three unique destinations are shown after de-duplicating across axes. Declaration-volume ranking combines count and Major-disaster share and prefers a different leading incident type; Major-share ranks the Major fraction adjusted for volume; NRI ranks the modeled composite score only.
Retained FEMA snapshot feed for Morgan County - capture-dated entries only.
Compare beyond this state
Nationwide peers by NRI score & FEMA declaration volume
Two PlainHazard-derived comparison paths for Morgan County: nearest out-of-state National Risk Index composite and nearest FEMA declaration count (floor ≥5 records). Record similarity only, not a forecast of the next hazard.
Similar NRI composite
Nearest out-of-state counties by FEMA NRI score. This county: 19.4 (Very Low).
Similar declaration volume
Nearest out-of-state counties by FEMA declaration count. This county: 13. NRI peers are excluded so the two link sets stay distinct.
Further reading for this county
Most disaster-prone counties
With 13 FEMA declarations, Morgan County sits in the high-volume declaration band - see how that count ranks against other U.S. counties.
More PlainHazard guides
- Most disaster-prone counties - U.S. counties ranked by FEMA declaration totals.
- Understanding disaster data - declarations vs storm events vs NRI scores.
- Preparing for natural disasters - household checklist (not county-specific advice).
Frequently Asked Questions
What is the most common disaster type in Morgan County?
The most common disaster type in Morgan County is Hurricane, with 4 declarations. Other disaster types include Biological (2), Severe Storm (2), Severe Ice Storm (2).
How does Morgan County's FEMA declaration record compare with the Georgia average?
The typical Georgia county has 17.4 FEMA declaration records; Morgan County has 13, or 25% fewer. Against the national county mean of 20.7, this county's total is 37% lower. The comparison is historical and says nothing about the probability of a future event.
How many major FEMA disaster declarations has Morgan County received?
Morgan County has received 5 major disaster declarations, representing 38% of all 13 disaster declarations.
How many flood insurance claims has Morgan County filed?
Morgan County has 1 National Flood Insurance Program (NFIP) claims totaling $0 in payments, with an average of $0 per claim.
Does FEMA's top risk-rated hazard match the highest Expected Annual Loss in Morgan County?
No. In Morgan County, Hurricane has the highest National Risk Index rating (Very Low), while Riverine Flooding leads Expected Annual Loss at about $5.2M. FEMA's risk score and dollar-loss model use different inputs, so the leaders often differ.
What was the worst year for disasters in Morgan County?
The most active year for disaster declarations in Morgan County was 2014, with 2 declarations. The county has FEMA disaster data spanning 1977 to 2026.
What is the FEMA National Risk Index score for Morgan County?
According to the FEMA National Risk Index, Morgan County, Georgia has an overall risk score of 19.4 out of 100 (Very Low). The county's social vulnerability rating is Relatively Low and community resilience is Relatively High. The Expected Annual Loss (EAL) score is Very Low, representing $8.2M in annualized losses.
Which natural hazard poses the greatest risk to Morgan County?
FEMA's NRI data points to Morgan County as of the latest release is Hurricane (risk rating: Very Low). Other significant hazards include Drought (Relatively Low) and Earthquake (Very Low). FEMA's modeled event frequency puts hurricane here at roughly once every 22 years, drawn from 13 historical events on record. FEMA derives these ratings from historical event frequency, the assets exposed, and the community's vulnerability profile.
Data Sources & Methodology
Disaster declaration data comes from the FEMA OpenFEMA Disaster Declarations Summaries v2 API, which includes all federally declared disasters, emergencies, and fire management assistance grants.
Storm event data is sourced from the NOAA Storm Events Database (2015-2025), which tracks significant weather events including thunderstorms, tornadoes, floods, and winter storms.
Flood insurance data comes from the FEMA National Flood Insurance Program (NFIP) OpenFEMA claims dataset.
This data is provided for informational purposes only. FEMA disaster declarations represent federal response actions and may not capture all local emergencies or weather events.
FEMA OpenFEMA declarations + NRI for Morgan County · vintage 2026-08-25 · Methodology · Georgia profile · Verify with FEMA OpenFEMA · Verify with NOAA Storm Events