Is Morgan County, CO in a flood zone?
FEMA's National Risk Index puts Morgan County's flood hazard at the 55.8th percentile nationally — below the national norm for flood hazard — driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 1.2 times a year. That's a county-wide figure, not a per-address one — FEMA's parcel maps are a live lookup, not a bulk file.
Who actually carries the flood insurance FEMA requires
Homes with a federally backed mortgage inside Morgan County's mapped high-risk flood zone (the Special Flood Hazard Area, or SFHA) are legally required to carry an NFIP flood policy. In practice, 6% of them do — 75 active policies against 1,248 structures FEMA counts in that zone, leaving a real compliance gap. Across all residential structures in Morgan County, not just the ones FEMA mandates, 0.7% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Morgan County against the rest of the country
Morgan County sits at rank 1452 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 1439 of 3144 by population (1 is biggest). About 30,300 people live in Morgan County, Colorado, spread over 1,280.493 square miles.
Checking a specific address in Morgan County
Across all of Morgan County's 10,825 residential structures, 78 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Morgan County's numbers. The guide to what the Special Flood Hazard Area actually means explains why the mandatory-insurance rule exists and who it applies to.