Morgan County, Tennessee: hazard risk
FEMA rates Morgan County's overall risk Very Low (score 19.1 of 100, higher than 19% of rated U.S. counties). Its storm record holds 385 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 |
|---|---|---|---|
| Strong Wind | Relatively Moderate | 55.3 | $586K |
| Landslide | Relatively Low | 84.5 | $26K |
| Cold Wave | Relatively Low | 64.6 | $1.5M |
| Wildfire | Relatively Low | 63.5 | $100K |
| Winter Weather | Relatively Low | 59.1 | $80K |
| Lightning | Relatively Low | 40.8 | $151K |
| Tornado | Relatively Low | 39.3 | $759K |
| Ice Storm | Relatively Low | 34.4 | $37K |
| Earthquake | Very Low | 58.3 | $381K |
| Hurricane | Very Low | 33.4 | $17K |
| Riverine Flooding | Very Low | 25.7 | $2.7M |
| Drought | Very Low | 24.8 | $11K |
| Hail | Very Low | 11.6 | $34K |
| Heat Wave | Very Low | 4.5 | $5K |
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 | 207 | 0 | $2.5M | 59th of 95 | 764th of 3,080 |
| Hail | 70 | 0 | $998K | 52nd of 95 | 1590th of 3,080 |
| Winter storms | 51 | 0 | – | 79th of 95 | 1703rd of 3,077 |
| Floods | 39 | 0 | $679K | 61st of 95 | 1131st of 3,080 |
| Tornadoes | 9 | 9 | $2.5M | 77th of 95 | 2215th of 3,080 |
| High wind and dust storms | 3 | 0 | $39K | 91st of 95 | 2617th of 3,080 |
| Drought | 1 | 0 | – | 86th of 95 | 2400th of 3,063 |
| Hurricanes and tropical storms | 1 | 0 | $23K | 29th of 95 | 927th of 1,849 |
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.