FEMA Records
34
Very high volume
Kentucky · FEMA + NOAA + National Risk Index
Morgan County, KY
34 FEMA disaster declarations (1979-2026), with a FEMA National Risk Index rating of Very Low. Most common hazard: Severe Storm.
- 34
- FEMA declarations
- 27
- Major disasters
- 22
- NRI risk · Very Low
- Severe Storm
- Top hazard
The verdict
Two federal records point in the busier direction for Morgan County. Its 34 FEMA declarations are 21% above the Kentucky county mean and exceed the count for 92% of the 3,266 counties in this registry. Separately, FEMA's National Risk Index places it safer than 22%, based on modeled expected annual loss, social vulnerability, and community resilience.
- Safer than 22%
- of U.S. counties for FEMA National Risk Index score
- Very Low
- FEMA National Risk Index rating
- 34
- FEMA declarations vs 21 national county avg
- 49
- 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.
How does Morgan County compare?
Morgan County vs. all counties in this dataset
FEMA disaster declarations, all-time
34 Top 8% higher than 92% 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 · 2026-08-03
Morgan County's FEMA Risk Index score
FEMA National Risk Index composite score vs. the Kentucky county average
Which hazard drives modeled loss here?
FEMA's modeled annual dollar loss for Morgan County is led by Riverine Flooding (about $5.1M Expected Annual Loss, Historical Loss Ratio Relatively Moderate), while Landslide carries the highest National Risk Index rating (Relatively Moderate). 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?
Declaration frequency
The FEMA register is busy by both local and national comparisons. It contains 34 entries for Morgan County, including 27 Major Disaster records, 21% above the Kentucky county mean. Across the 47-year span, that works out to 0.7 declarations a year. Severe Storm leads the file with 16 entries. Declaration type records the federal action taken, not every assistance program approved.
FEMA National Risk Index
This county's FEMA National Risk Index composite lands at 22.1/100 (Very Low), a modest reading against the rest of the country. Expected Annual Loss is rated Very Low (roughly $6.8M in annualized losses), tempered or compounded by a Relatively Moderate social-vulnerability score and Relatively Low community-resilience score. Among the 18 modeled hazards, Landslide carries the county's highest rating, a mid-range Relatively Moderate. FEMA's modeled frequency puts that hazard at an average of 1.1 times per year here.
Reading the federal records together
This county has a small entry in FEMA's NFIP paid-claims table: 49 claims and $1.1M 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.
The declaration register points in the busier direction. Morgan County's 34 federal records stand 21% above the Kentucky county mean of 28.1. That comparison describes how often federal action was recorded, including any Major Disaster, Emergency, and Fire Management entries shown on this page; it does not convert the count into future probability.
80 /100
Historical Activity Index
Very High historical activity
Morgan County, KY · 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) Very High
25/30
34 OpenFEMA declarations, full ingest window (1.6x national county average)
County Disaster Density High
15/25
34 declarations (1.2x state county average of 28)
Major Disaster Share Very High
20/25
27 of 34 declarations are major disasters (79%)
Hazard Diversity Very High
20/20
8 different disaster types declared in Morgan County
Historical Declaration Activity
Activity Band
High
vs. Kentucky Avg
+21%
State avg: 28.1
vs. National Avg
+64%
National avg: 20.7
Avg Per Year
0.7
Over 47 years
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
79%
Mostly major
NRI risk score
22
Very Low
Source: FEMA National Risk Index 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 |
|---|---|---|
| Landslide | Relatively Moderate | an average of 1.1 times per year |
| Wildfire | Relatively Low | roughly once every 332 years |
| Riverine Flooding | Relatively Low | an average of 1.8 times per year |
| Winter Weather | Relatively Low | an average of 15 times per year |
| Heat Wave | Very Low | 2.5 modeled event-days per year |
| Hurricane | Very Low | roughly once every 43 years |
| Earthquake | Very Low | roughly once every 629 years |
| Lightning | Relatively Low | an average of 50 times per year |
| Strong Wind | Relatively Low | an average of 4.1 times per year |
| Tornado | Relatively Low | roughly once every 11 years |
| Hail | Very Low | an average of 3.3 times per year |
| Ice Storm | Very Low | roughly once every 2 years |
| Cold Wave | Very Low | an average of 1.2 times per year |
| Drought | No Rating | 3 modeled event-days per year |
Source: FEMA National Risk Index FEMA National Risk Index Modeled annualized frequency; drought and heat wave use event-days/year, December 2025 release
Disaster Types
Severe Storm 16
Flood 6
Snowstorm 4
Severe Ice Storm 3
Biological 2
Winter Storm 1
Tropical Storm 1
Hurricane 1
What Severe Storm declarations mean here
Severe Storm is the most frequent declaration type on Morgan County's record, 47% of its declarations. In FEMA's vocabulary this covers convective weather: thunderstorm straight-line winds, large hail, and the multi-day outbreaks that often carry embedded tornadoes. Activity is heaviest in spring and summer, though the season varies by region.
These events behave differently from a hurricane on paper. Damage tends to be distributed along a storm track rather than concentrated on a coastline, and a declaration typically follows an outbreak that crossed several counties over a few days, not a single point of impact. Because the qualifying threshold is the cost of uninsured public and individual losses rather than storm intensity, two similar storms can produce a declaration in one year and none in another.
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).
Major Disaster - 27 79.4%
of all 34 declarations
Emergency - 7 20.6%
of all 34 declarations
FEMA Declarations Timeline
| Year | Declarations | |
|---|---|---|
| 2026 | 1 | |
| 2025 | 5 | |
| 2023 | 1 | |
| 2021 | 2 | |
| 2020 | 3 | |
| 2019 | 1 | |
| 2015 | 4 | |
| 2012 | 1 | |
| 2011 | 1 | |
| 2010 | 1 | |
| 2009 | 2 | |
| 2008 | 1 | |
| 2005 | 1 | |
| 2004 | 1 | |
| 2003 | 1 | |
Show 8 earlier declaration years
| 2002 | 1 | |
| 1998 | 1 | |
| 1997 | 1 | |
| 1996 | 1 | |
| 1994 | 1 | |
| 1993 | 1 | |
| 1989 | 1 | |
| 1979 | 1 | |
Disaster Declarations
How the 34 FEMA declarations break into federal action codes (DR / EM / FM). Same DISTINCT grain as the table below.
Download these 34 declarations as CSV . FEMA source data is public domain; our derived presentation is CC0.
| DR# | Title | Type | Incident | Date |
|---|---|---|---|---|
| 3633 | SEVERE WINTER STORM | EM | Winter Storm | 2026-01-24 |
| 4864 | SEVERE STORMS, STRAIGHT-LINE WINDS, TORNADOES, FLOODING, LANDSLIDES, AND MUDSLIDES | DR | Severe Storm | 2025-04-24 |
| 3626 | SEVERE STORMS, STRAIGHT-LINE WINDS, TORNADOES, AND FLOODING | EM | Severe Storm | 2025-04-03 |
| 4860 | SEVERE STORMS, STRAIGHT-LINE WINDS, FLOODING, LANDSLIDES, AND MUDSLIDES | DR | Severe Storm | 2025-02-24 |
| 3624 | SEVERE STORMS, STRAIGHT-LINE WINDS, FLOODING, AND LANDSLIDES | EM | Severe Storm | 2025-02-16 |
| 4848 | REMNANTS OF HURRICANE HELENE | DR | Tropical Storm | 2024-11-26 |
| 4711 | SEVERE STORMS, STRAIGHT-LINE WINDS, FLOODING, LANDSLIDES, AND MUDSLIDES | DR | Flood | 2023-05-09 |
| 4595 | SEVERE, STORMS, FLOODING, LANDSLIDES, AND MUDSLIDES | DR | Flood | 2021-04-23 |
| 4592 | SEVERE WINTER STORMS, LANDSLIDES, AND MUDSLIDES | DR | Severe Ice Storm | 2021-03-31 |
| 4540 | SEVERE STORMS, FLOODING, LANDSLIDES, AND MUDSLIDES | DR | Severe Storm | 2020-04-24 |
| 4497 | COVID-19 PANDEMIC | DR | Biological | 2020-03-28 |
| 3469 | COVID-19 | EM | Biological | 2020-03-13 |
| 4428 | SEVERE STORMS, STRAIGHT-LINE WINDS, FLOODING, LANDSLIDES, AND MUDSLIDES | DR | Severe Storm | 2019-04-17 |
| 4239 | SEVERE STORMS, TORNADOES, STRAIGHT-LINE WINDS, FLOODING, LANDSLIDES, AND MUDSLIDE | DR | Severe Storm | 2015-08-12 |
| 4218 | SEVERE WINTER STORM, SNOWSTORM, FLOODING, LANDSLIDES, AND MUDSLIDES | DR | Flood | 2015-05-12 |
| 4217 | SEVERE STORMS, TORNADOES, FLOODING, LANDSLIDES, AND MUDSLIDES | DR | Flood | 2015-05-01 |
| 4216 | SEVERE WINTER STORMS, SNOWSTORMS, FLOODING, LANDSLIDES, AND MUDSLIDES | DR | Snowstorm | 2015-04-30 |
| 4057 | SEVERE STORMS, TORNADOES, STRAIGHT-LINE WINDS AND FLOODING | DR | Severe Storm | 2012-03-06 |
| 1976 | SEVERE STORMS, TORNADOES, AND FLOODING | DR | Severe Storm | 2011-05-04 |
| 1912 | SEVERE STORMS, FLOODING, MUDSLIDES, AND TORNADOES | DR | Severe Storm | 2010-05-11 |
Show 14 earlier declaration records
| DR# | Title | Type | Incident | Date |
|---|---|---|---|---|
| 1818 | SEVERE WINTER STORM AND FLOODING | DR | Severe Ice Storm | 2009-02-05 |
| 3302 | SEVERE WINTER STORM | EM | Severe Ice Storm | 2009-01-28 |
| 1746 | SEVERE STORMS, TORNADOES, STRAIGHT-LINE WINDS, AND | DR | Severe Storm | 2008-02-21 |
| 3231 | HURRICANE KATRINA | EM | Hurricane | 2005-09-10 |
| 1523 | SEVERE STORMS, TORNADOES, FLOODING, AND MUDSLIDES | DR | Severe Storm | 2004-06-10 |
| 1454 | SEVERE WINTER ICE AND SNOW STORMS, HEAVY RAIN, FLOODING, TORNADOES, AND MUD AND | DR | Severe Storm | 2003-03-14 |
| 1407 | SEVERE STORMS AND FLOODING | DR | Severe Storm | 2002-04-04 |
| 1207 | SEVERE WINTER STORM | DR | Severe Storm | 1998-03-03 |
| 1163 | SEVERE STORM, FLOODING, AND TORNADOES | DR | Severe Storm | 1997-03-04 |
| 1089 | BLIZZARD OF 96 | DR | Snowstorm | 1996-01-13 |
| 1018 | SEVERE WEATHER, FREEZING RAIN, SLEET, SNW | DR | Snowstorm | 1994-03-16 |
| 3104 | SEVERE SNOWFALL & WINTER STORM | EM | Snowstorm | 1993-03-16 |
| 821 | SEVERE STORMS & FLOODING | DR | Flood | 1989-02-24 |
| 568 | SEVERE STORMS & FLOODING | DR | Flood | 1978-12-12 |
Storm Events in Kentucky
Statewide NOAA context only. PlainHazard does not currently attribute these state totals to Morgan County.
| Storm Type | Events | Fatalities | Injuries | Property Damage |
|---|---|---|---|---|
| Thunderstorm Wind | 6,702 | 9 | 56 | $55.2M |
| Flash Flood | 1,757 | 65 | 16 | $42.6M |
| Flood | 1,646 | 31 | 6 | $37.1M |
| Hail | 1,534 | 1 | 0 | $4.7M |
| Winter Weather | 1,079 | 14 | 54 | $655.0K |
Source: NOAA Storm Events Database NOAA Storm Events Database State-level aggregated data, 2015-2025
NFIP Flood Insurance Claims
Total Claims
49
Total Paid
$1.1M
Avg Per Claim
$22.7K
Source: FEMA National Flood Insurance Program (NFIP) OpenFEMA Claims Data FEMA National Flood Insurance Program (NFIP) OpenFEMA Claims Data
FEMA National Risk Index
Overall Risk
Very Low
Score: 22.1/100
Expected Annual Loss
Very Low
$6.8M/year
Social Vulnerability
Relatively Moderate
Community Resilience
Relatively Low
Hazard Risk Breakdown
Landslide Relatively Moderate
Wildfire Relatively Low
Riverine Flooding Relatively Low
Winter Weather Relatively Low
Heat Wave Very Low
Hurricane Very Low
Earthquake Very Low
Lightning Relatively Low
Strong Wind Relatively Low
Tornado Relatively Low
Hail Very Low
Ice Storm Very Low
Cold Wave Very Low
Drought No Rating
Source: FEMA National Risk Index (NRI) FEMA National Risk Index (NRI) Ratings reflect relative scores among all US counties. Data: hazards.fema.gov/nri
The model's sharpest exposure here: Landslide
Landslide risk is a function of slope, soil and water, so it is usually a SECOND-ORDER hazard: it is triggered by the rainfall, snowmelt, wildfire burn scars or seismic shaking that came first. That is why a county can carry high landslide exposure whose realized damage is recorded under a flood or storm declaration instead.
Worth noting for Morgan County: the model and the federal record do NOT point at the same hazard. Landslide carries the highest modeled rating (Relatively Moderate), while the county's declaration history is led by Severe Storm. That is not a contradiction, the two measure genuinely different things. Declarations record federal ACTION, which requires damage costly enough to exceed state and local capacity; the Risk Index models EXPECTED annual loss across all 18 hazards whether or not any declaration ever followed. A hazard can be the county's largest modeled exposure and never once have driven a declaration.
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: Brazoria County, TX
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 34 FEMA declarations, led by Severe Storm.
Similar Major-disaster share
Morgan County: 27 of 34 of its declarations are Major.
Similar modeled NRI score
Morgan County: NRI composite 22.1 (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.
Further reading for this county
Most disaster-prone counties
With 34 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).
Related
Frequently Asked Questions
What is the most common disaster type in Morgan County?
The most common disaster type in Morgan County is Severe Storm, with 16 declarations. Other disaster types include Flood (6), Snowstorm (4), Severe Ice Storm (3).
How does Morgan County's FEMA declaration record compare with the Kentucky average?
FEMA lists 34 declaration records for Morgan County. That is 21% above the Kentucky county mean of 28.1. Its count is also 64% above the national county mean of 20.7. A larger declaration history records more federal actions; it is not a forecast of the county's next hazard.
How many major FEMA disaster declarations has Morgan County received?
Morgan County has received 27 major disaster declarations, representing 79% of all 34 disaster declarations.
How many flood insurance claims has Morgan County filed?
Morgan County has 49 National Flood Insurance Program (NFIP) claims totaling $1.1M in payments, with an average of $22.7K per claim.
Does FEMA's top risk-rated hazard match the highest Expected Annual Loss in Morgan County?
No. In Morgan County, Landslide has the highest National Risk Index rating (Relatively Moderate), while Riverine Flooding leads Expected Annual Loss at about $5.1M. 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 2025, with 5 declarations. The county has FEMA disaster data spanning 1979 to 2026.
What is the FEMA National Risk Index score for Morgan County?
According to the FEMA National Risk Index, Morgan County, Kentucky has an overall risk score of 22.1 out of 100 (Very Low). The county's social vulnerability rating is Relatively Moderate and community resilience is Relatively Low. The Expected Annual Loss (EAL) score is Very Low, representing $6.8M in annualized losses.
Which natural hazard poses the greatest risk to Morgan County?
The top hazard flagged by FEMA's NRI for Morgan County is Landslide (risk rating: Relatively Moderate). Other significant hazards include Wildfire (Relatively Low) and Riverine Flooding (Relatively Low). FEMA's modeled event frequency puts landslide here at an average of 1.1 times per year. The underlying methodology weighs historical event frequency against exposed assets and community vulnerability.
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.
What this means for Morgan County
Morgan County, KY has 34 federal declaration records, 21% more than the Kentucky county mean of 28; its history sits in PlainHazard's high activity band.
- Within this above-state-average declaration file, major disaster leads with 27 of 34 records; the category describes past federal action, not the next likely hazard. Kentucky overview
- The state benchmark and national rank point the same way: this count tops the Kentucky mean and the totals for 92% of 3,266 U.S. counties. Most-disaster rankings
- A short NFIP claims file cannot establish low flood exposure; the data guide explains the limits of each federal measure. Disaster-data guide
An above-average declaration count records past federal responses; it does not predict the next event. Current warnings come from the National Weather Service and local emergency officials.
PlainHazard derives this profile from FEMA's Disaster Declarations Summaries and National Risk Index data. The declaration comparison covers 3,266 U.S. counties and county equivalents in this database, refreshed as of 2026-08-03. Read our methodology - how this data is sourced, computed, and verified.
All federal data sources used on this page
- FEMA OpenFEMA, Disaster Declarations Summaries v2 - all federally-declared disasters for this county. fema.gov/openfema/disaster-declarations
- FEMA National Risk Index (NRI) - per-county per-hazard risk ratings and expected annual loss. hazards.fema.gov/nri
- NOAA NCEI Storm Events Database - state-level storm/severe-weather event records, 2015-2025. ncdc.noaa.gov/stormevents
Data sourced from official public datasets. See our methodology for details. Retrieved and formatted by PlainHazard Editorial
Verify with FEMA → · Verify with FEMA NRI → · Verify with NOAA →
Every figure on PlainHazard is rendered directly from FEMA federal disaster data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or national statistics report, the data & editorial changelog, or report a data error.