Morgan County, AL: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Morgan County scores at the 86.7th percentile for flood hazard, rated "Relatively Moderate" — a middling flood hazard by national standards. The hazard here is driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 2.4 times a year. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Who actually carries the flood insurance FEMA requires
Out of 962 homes FEMA counts inside Morgan County's mapped flood zone, 304 carry the flood policy federal law requires there — 31.6% compliance, short of full coverage. Looking beyond the mandated zone, 1% of all residential structures in Morgan County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Morgan County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, Morgan County ranks 439 — 1 being the highest hazard nationally — and 518 by population among all 3144 counties covered here, where 1 is the largest. About 126,084 people live in Morgan County, Alabama, spread over 579.677 square miles.
Your street may differ from Morgan County's average
Across all of Morgan County's 44,879 residential structures, 426 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
Where Morgan County's figures come from
Every figure on this page traces to a named FEMA dataset, documented in the methodology guide. If you're unsure why any of this insurance requirement exists at all, the SFHA explainer covers it from first principles.