Property Atlas

County hazard profile

Morgan, IL

Illinois · pop. 32,911 · FIPS 17137

Relatively Low
FEMA risk rating · RATING
Cold Wave
dominant hazard
$28M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Morgan $28M

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 Low 71.12/100
national median ~50 near the national middle (71st percentile)
Social vulnerabilityRelatively Moderate 46.02/100
national median ~50 near the national middle (46th percentile)
Community resilienceRelatively High 78.15/100
national median ~50 higher than 78% of counties

Recorded · NFIP flood claims RECORDED

Realized flood losses in Morgan

The National Flood Insurance Program has paid 242 flood-insurance claims totaling $1.6M in Morgan since 1979. The costliest year was 2011 ($637K paid).

Flood-insurance dollars paid by year of loss

1979: $153,842 paid 1981: $1,233 paid 1982: $120,275 paid 1983: $5,184 paid 1985: $86,652 paid 1986: $1,910 paid 1988: $0 paid 1990: $12,181 paid 1993: $124,583 paid 1994: $4,143 paid 1995: $38,032 paid 1997: $920 paid 2001: $2,989 paid 2002: $5,066 paid 2005: $0 paid 2008: $11,319 paid 2009: $44,731 paid 2010: $9,013 paid 2011: $636,906 paid 2013: $10,235 paid 2014: $0 paid 2015: $58,962 paid 2018: $213,063 paid 2019: $35,083 paid 2021: $1,872 paid 2011 · $637K 1979 2021
$1.6M
total paid
$6,521
average claim
$506K
largest single claim
46%
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, IL 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.