Morgan County, Kentucky: hazard risk
FEMA rates Morgan County's overall risk Very Low (score 22.1 of 100, higher than 22% of rated U.S. counties). Its storm record holds 543 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 |
|---|---|---|---|
| Landslide | Relatively Moderate | 88.8 | $45K |
| Wildfire | Relatively Low | 70.9 | $162K |
| Riverine Flooding | Relatively Low | 45.7 | $5.1M |
| Winter Weather | Relatively Low | 45.1 | $48K |
| Lightning | Relatively Low | 33.7 | $111K |
| Strong Wind | Relatively Low | 32.4 | $282K |
| Tornado | Relatively Low | 29.6 | $442K |
| Heat Wave | Very Low | 37.7 | $181K |
| Hurricane | Very Low | 37.4 | $22K |
| Earthquake | Very Low | 37.2 | $112K |
| Hail | Very Low | 25.6 | $84K |
| Ice Storm | Very Low | 24.8 | $21K |
| Cold Wave | Very Low | 19.7 | $192K |
| Drought | No Rating | 0.0 | $0 |
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 | 241 | 0 | $1.4M | 44th of 118 | 390th of 3,080 |
| Winter storms | 114 | 0 | $1K | 46th of 118 | 672nd of 3,077 |
| Floods | 75 | 0 | $7.6M | 67th of 118 | 461st of 3,080 |
| Hail | 53 | 0 | $7K | 89th of 118 | 1874th of 3,080 |
| High wind and dust storms | 20 | 0 | $70K | 50th of 118 | 1102nd of 3,080 |
| Extreme cold | 13 | 0 | – | 48th of 118 | 753rd of 3,076 |
| Heavy rain | 9 | 0 | $11K | 43rd of 118 | 504th of 3,080 |
| Heat | 6 | 0 | – | 52nd of 118 | 1132nd of 3,076 |
| Tornadoes | 5 | 6 | $97M | 94th of 118 | 2303rd of 3,080 |
| Drought | 3 | 0 | – | 47th of 118 | 2080th of 3,063 |
| Landslides and avalanches | 2 | 0 | $7K | 13th of 118 | 146th of 2,278 |
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.