Morgan County, Illinois: hazard risk
FEMA rates Morgan County's overall risk Relatively Low (score 71.1 of 100, higher than 71% of rated U.S. counties); 3 of its 14 hazards are rated Relatively High or Very High, led by cold wave, drought, strong wind. Its storm record holds 476 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 |
|---|---|---|---|
| Cold Wave | Relatively High | 94.1 | $10M |
| Drought | Relatively High | 92.9 | $2.0M |
| Strong Wind | Relatively High | 87.2 | $1.7M |
| Heat Wave | Relatively Moderate | 83.4 | $1.8M |
| Earthquake | Relatively Low | 81.7 | $1.9M |
| Hail | Relatively Low | 68.7 | $506K |
| Landslide | Relatively Low | 64.2 | $3K |
| Riverine Flooding | Relatively Low | 61.2 | $9.0M |
| Ice Storm | Relatively Low | 59.3 | $125K |
| Lightning | Relatively Low | 52.0 | $240K |
| Tornado | Relatively Low | 49.6 | $1.2M |
| Winter Weather | Relatively Low | 46.3 | $54K |
| Hurricane | Very Low | 21.9 | $7K |
| Wildfire | Very Low | 1.8 | $653 |
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 | 176 | 0 | $24M | 48th of 102 | 1086th of 3,080 |
| Hail | 117 | 0 | $656K | 39th of 102 | 1005th of 3,080 |
| Winter storms | 50 | 0 | $872K | 73rd of 102 | 1674th of 3,077 |
| Floods | 47 | 1 | $197M | 64th of 102 | 1140th of 3,080 |
| Tornadoes | 41 | 0 | $14M | 41st of 102 | 627th of 3,080 |
| Heat | 16 | 1 | – | 59th of 102 | 803rd of 3,076 |
| Drought | 10 | 0 | $56M | 69th of 102 | 1733rd of 3,063 |
| High wind and dust storms | 10 | 0 | $17K | 76th of 102 | 1917th of 3,080 |
| Extreme cold | 8 | 2 | – | 77th of 102 | 1476th of 3,076 |
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.