Morgan County, Alabama: hazard risk
FEMA rates Morgan County's overall risk Relatively Moderate (score 88.8 of 100, higher than 88% of rated U.S. counties); 3 of its 14 hazards are rated Relatively High or Very High, led by tornado, lightning, strong wind. Its storm record holds 1,375 events since 1950.
FEMA's rating for each hazard
These are FEMA's county-wide model ratings and this county's storm record. They are not an assessment of any property, address or building, and not insurance advice: a property's risk depends on its own elevation, construction and location.
FEMA gives each hazard its own rating, and a rating does not follow the score from one hazard to the next: a hazard with a higher score can carry a lower rating than another. The table sorts by FEMA's rating, then by score (0 to 100, the county against every other county for that hazard).
| Hazard | Risk rating | Score | Expected annual loss |
|---|---|---|---|
| Tornado | Relatively High | 98.3 | $24M |
| Lightning | Relatively High | 93.0 | $1.3M |
| Strong Wind | Relatively High | 90.5 | $1.8M |
| Earthquake | Relatively Moderate | 92.3 | $6.5M |
| Heat Wave | Relatively Moderate | 88.1 | $2.2M |
| Riverine Flooding | Relatively Moderate | 86.7 | $24M |
| Cold Wave | Relatively Moderate | 83.7 | $3.9M |
| Winter Weather | Relatively Moderate | 83.7 | $214K |
| Ice Storm | Relatively Moderate | 73.1 | $220K |
| Hurricane | Relatively Low | 68.0 | $417K |
| Hail | Relatively Low | 49.0 | $213K |
| Drought | Relatively Low | 47.8 | $106K |
| Wildfire | Very Low | 48.9 | $38K |
| Landslide | Very Low | 26.4 | $190 |
Source: FEMA National Risk Index, December 2025 release. A model of future loss, not a count of past events. FEMA's National Risk Index map.
What the record holds
| Hazard | Records | Deaths | Damage | Rank in state | Rank in U.S. |
|---|---|---|---|---|---|
| Severe thunderstorm wind | 682 | 1 | $7.2M | 4th of 67 | 145th of 3,080 |
| Hail | 198 | 0 | $332K | 4th of 67 | 551st of 3,080 |
| Floods | 147 | 0 | $2.5M | 4th of 67 | 541st of 3,080 |
| Extreme cold | 69 | 0 | $1.9M | 3rd of 67 | 144th of 3,076 |
| Heat | 63 | 3 | – | 7th of 67 | 307th of 3,076 |
| Winter storms | 62 | 0 | $2.0M | 1st of 67 | 1494th of 3,077 |
| Tornadoes | 50 | 14 | $84M | 10th of 67 | 219th of 3,080 |
| Drought | 41 | 0 | – | 26th of 67 | 599th of 3,063 |
| High wind and dust storms | 27 | 0 | $2.0M | 4th of 67 | 948th of 3,080 |
| Lightning | 25 | 0 | $4.8M | 6th of 67 | 163rd of 3,080 |
| Hurricanes and tropical storms | 3 | 0 | – | 51st of 67 | 696th of 1,849 |
| Heavy rain | 2 | 0 | $92K | 24th of 67 | 1568th of 3,080 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Morgan County record: every hazard by year and month, the deadliest events and FEMA's declarations.