Property Atlas

County hazard profile

Morgan, IN

Indiana · pop. 71,729 · FIPS 18109

Relatively Low
FEMA risk rating · RATING
Landslide
dominant hazard
$27M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Morgan $27M

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 63.49/100
national median ~50 near the national middle (63rd percentile)
Social vulnerabilityRelatively Low 23.7/100
national median ~50 among the lowest nationally
Community resilienceRelatively High 72.49/100
national median ~50 near the national middle (72nd percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Morgan

The National Flood Insurance Program has paid 230 flood-insurance claims totaling $8.6M in Morgan since 1978. The costliest year was 2008 ($6.9M paid).

Flood-insurance dollars paid by year of loss

1978: $148 paid 1979: $200 paid 1980: $719 paid 1981: $6,172 paid 1985: $1,657 paid 1987: $838 paid 1990: $7,676 paid 1992: $0 paid 1993: $237,695 paid 1995: $0 paid 1996: $12,109 paid 1998: $10,917 paid 2002: $4,604 paid 2003: $425,473 paid 2004: $9,838 paid 2005: $177,657 paid 2006: $0 paid 2008: $6,884,723 paid 2009: $9,805 paid 2010: $43,146 paid 2011: $77,512 paid 2013: $205,467 paid 2015: $258,300 paid 2017: $111,454 paid 2018: $46,267 paid 2019: $1,645 paid 2024: $80,105 paid 2025: $4,946 paid 2008 · $6.9M 1978 2025
$8.6M
total paid
$37,474
average claim
$799K
largest single claim
56%
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, IN 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.