Property Atlas

County hazard profile

Morgan, AL

Alabama · pop. 123,349 · FIPS 01103

Relatively Moderate
FEMA risk rating · RATING
Tornado
dominant hazard
$65M
modeled expected annual loss/yr

Expected annual loss · all 3,232 U.S. counties

among the lowest nationally

national median $15M/yr Morgan $65M

A real dollar distribution: most counties sit far below a handful of high-exposure ones. A FEMA model of annual loss, not a record of disasters.

FEMA national percentile scores

FEMA/CDC score each county 0–100 against all others — the score is the national rank (RATING). Higher risk and vulnerability are worse; higher resilience is better.

FEMA risk indexRelatively Moderate 88.84/100
national median ~50 higher than 89% of counties
Social vulnerabilityRelatively High 60.88/100
national median ~50 near the national middle (61st percentile)
Community resilienceRelatively Moderate 47.93/100
national median ~50 near the national middle (48th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Morgan

The National Flood Insurance Program has paid 200 flood-insurance claims totaling $3.0M in Morgan since 1978. The costliest year was 2015 ($677K paid).

Flood-insurance dollars paid by year of loss

1978: $6,211 paid 1979: $33,193 paid 1980: $5,157 paid 1983: $17,095 paid 1984: $8,251 paid 1985: $0 paid 1987: $0 paid 1988: $17,747 paid 1990: $70,831 paid 1991: $30,624 paid 1992: $44,461 paid 1994: $28,754 paid 1995: $20,748 paid 1996: $0 paid 1997: $14,378 paid 1998: $34,345 paid 1999: $23,025 paid 2000: $20,471 paid 2001: $20,689 paid 2002: $6,156 paid 2003: $393,795 paid 2004: $46,181 paid 2005: $57,685 paid 2006: $0 paid 2008: $112,671 paid 2009: $338,075 paid 2010: $28,580 paid 2011: $93,042 paid 2013: $510,897 paid 2014: $3,352 paid 2015: $677,013 paid 2018: $66,352 paid 2019: $190,447 paid 2020: $40,641 paid 2021: $80,293 paid 2022: $0 paid 2015 · $677K 1978 2022
$3.0M
total paid
$15,206
average claim
$116K
largest single claim
61%
in high-risk flood zones (A/V)

RECORDED — these are actual paid NFIP claims (a redacted census from OpenFEMA), not a model. They are the realized counterpart to the FEMA risk score above: one is what happened and got paid, the other is what a model predicts.

Scope: these are flood-insurance claims, so they undercount flooding where owners were uninsured — read this as "what NFIP paid here," not "every flood." County-level totals, not a per-property or per-address verdict. Verify a specific address and buy coverage at FloodSmart.gov; the underlying data is OpenFEMA NFIP Redacted Claims.

What these figures mean

  • RATING — the FEMA risk score, expected loss, social vulnerability, and resilience are FEMA/CDC models, not records of disasters that happened. The 0–100 scores are already national percentiles.
  • MEASURED — population is a recorded census figure.
  • COMPUTED — the county's rank within the dollar-loss distribution is our placement over the 3,232 counties.
  • CONTEXT — the note below is framing, not a measurement.

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What this is — and is not

This is FEMA/CDC modeled hazard exposure for Morgan, AL and where it ranks among U.S. counties. It is not a verdict on whether Morgan is a good or bad place to live — hazard exposure is not place quality, and a county can't opt out of its geography. It is not a per-property or per-address risk assessment, not a prediction of any specific disaster, and not insurance advice. For site-specific risk use a per-property assessment; for the underlying model see FEMA National Risk Index.