Morgan County, Colorado: hazard risk
FEMA rates Morgan County's overall risk Relatively Low (score 51.9 of 100, higher than 51% of rated U.S. counties). Its storm record holds 993 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 |
|---|---|---|---|
| Hail | Relatively Moderate | 93.8 | $2.9M |
| Strong Wind | Relatively Moderate | 74.9 | $1.3M |
| Cold Wave | Relatively Moderate | 74.8 | $3.2M |
| Tornado | Relatively Moderate | 66.5 | $2.7M |
| Winter Weather | Relatively Moderate | 62.0 | $116K |
| Wildfire | Relatively Low | 65.2 | $145K |
| Riverine Flooding | Relatively Low | 55.8 | $9.4M |
| Ice Storm | Relatively Low | 46.8 | $88K |
| Lightning | Relatively Low | 28.3 | $122K |
| Earthquake | Very Low | 40.0 | $184K |
| Drought | Very Low | 25.0 | $14K |
| Heat Wave | Very Low | 18.9 | $66K |
| Landslide | Very Low | 9.5 | $30 |
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. |
|---|---|---|---|---|---|
| Hail | 508 | 0 | $8.7M | 11th of 63 | 703rd of 3,080 |
| Severe thunderstorm wind | 181 | 0 | $1.5M | 4th of 63 | 2258th of 3,080 |
| Tornadoes | 95 | 0 | $3.2M | 7th of 63 | 526th of 3,080 |
| High wind and dust storms | 73 | 0 | $458K | 28th of 63 | 761st of 3,080 |
| Winter storms | 65 | 0 | – | 50th of 63 | 2270th of 3,077 |
| Floods | 40 | 0 | $46M | 15th of 63 | 2129th of 3,080 |
| Extreme cold | 10 | 0 | – | 28th of 63 | 1996th of 3,076 |
| Lightning | 10 | 0 | $57K | 14th of 63 | 883rd of 3,080 |
| Drought | 4 | 0 | – | 31st of 63 | 2313th of 3,063 |
| Heavy rain | 3 | 0 | – | 35th of 63 | 2067th of 3,080 |
| Wildfires | 1 | 0 | – | 58th of 63 | 1187th of 2,972 |
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.