Morgan County, West Virginia: hazard risk
FEMA rates Morgan County's overall risk Very Low (score 30.4 of 100, higher than 30% of rated U.S. counties). Its storm record holds 626 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 | 60.1 | $569K |
| Landslide | Relatively Low | 82.3 | $17K |
| Hurricane | Relatively Low | 62.6 | $209K |
| Riverine Flooding | Relatively Low | 55.9 | $6.1M |
| Drought | Relatively Low | 51.8 | $126K |
| Winter Weather | Relatively Low | 30.1 | $23K |
| Avalanche | Very Low | 52.9 | $556 |
| Heat Wave | Very Low | 34.8 | $136K |
| Earthquake | Very Low | 30.4 | $61K |
| Hail | Very Low | 22.6 | $63K |
| Wildfire | Very Low | 20.2 | $6K |
| Lightning | Very Low | 18.5 | $49K |
| Tornado | Very Low | 18.4 | $163K |
| Cold Wave | Very Low | 13.7 | $103K |
| Ice Storm | Very Low | 8.4 | $3K |
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. |
|---|---|---|---|---|---|
| Winter storms | 197 | 0 | $27K | 4th of 53 | 26th of 3,077 |
| Severe thunderstorm wind | 140 | 1 | $1.2M | 10th of 53 | 394th of 3,080 |
| Floods | 71 | 1 | $1.9M | 10th of 53 | 171st of 3,080 |
| Extreme cold | 47 | 0 | $368K | 5th of 53 | 40th of 3,076 |
| Heat | 37 | 0 | – | 2nd of 53 | 154th of 3,076 |
| High wind and dust storms | 33 | 0 | $407K | 5th of 53 | 211th of 3,080 |
| Hail | 30 | 0 | $1.1M | 19th of 53 | 1676th of 3,080 |
| Drought | 11 | 0 | $3.0M | 18th of 53 | 987th of 3,063 |
| Heavy rain | 10 | 0 | – | 4th of 53 | 209th of 3,080 |
| Tornadoes | 2 | 0 | $40K | 19th of 53 | 2470th of 3,080 |
| Lightning | 1 | 0 | $129K | 18th of 53 | 1332nd of 3,080 |
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.