Morgan County, Missouri: hazard risk
FEMA rates Morgan County's overall risk Relatively Low (score 75.5 of 100, higher than 75% of rated U.S. counties); 1 of its 14 hazards are rated Relatively High or Very High, led by ice storm. Its storm record holds 655 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 |
|---|---|---|---|
| Ice Storm | Relatively High | 92.8 | $763K |
| Heat Wave | Relatively Moderate | 87.1 | $1.5M |
| Riverine Flooding | Relatively Moderate | 82.7 | $14M |
| Winter Weather | Relatively Moderate | 79.3 | $125K |
| Tornado | Relatively Moderate | 79.1 | $2.4M |
| Cold Wave | Relatively Moderate | 73.7 | $1.6M |
| Drought | Relatively Moderate | 64.3 | $235K |
| Lightning | Relatively Moderate | 63.9 | $245K |
| Strong Wind | Relatively Moderate | 52.4 | $369K |
| Landslide | Relatively Low | 82.1 | $13K |
| Wildfire | Relatively Low | 72.3 | $130K |
| Earthquake | Relatively Low | 67.1 | $426K |
| Hail | Relatively Low | 53.0 | $185K |
| Hurricane | Very Low | 36.3 | $14K |
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 | 196 | 0 | $854K | 33rd of 114 | 525th of 3,080 |
| Severe thunderstorm wind | 182 | 0 | $3.4M | 44th of 114 | 1324th of 3,080 |
| Floods | 135 | 1 | $6.6M | 27th of 114 | 298th of 3,080 |
| Winter storms | 50 | 1 | $353K | 64th of 114 | 1740th of 3,077 |
| Tornadoes | 31 | 0 | $8.4M | 62nd of 114 | 1448th of 3,080 |
| Drought | 20 | 0 | $3.8M | 63rd of 114 | 1271st of 3,063 |
| Extreme cold | 10 | 0 | $2.1M | 48th of 114 | 1293rd of 3,076 |
| Heat | 9 | 0 | – | 94th of 114 | 1163rd of 3,076 |
| Heavy rain | 8 | 0 | – | 36th of 114 | 771st of 3,080 |
| High wind and dust storms | 5 | 0 | $19K | 64th of 114 | 2559th of 3,080 |
| Lightning | 2 | 0 | $75K | 42nd of 114 | 1543rd of 3,080 |
| Wildfires | 2 | 0 | $93K | 19th of 114 | 658th 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.