How much flood risk does Morgan County actually carry?
Morgan County lands at the 38.4th percentile of FEMA's National Risk Index for flooding, "Relatively Low" territory — below the national norm for flood hazard — with the hazard driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about once every 3 years. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Morgan County's flood-insurance compliance gap
0.8% of the homes FEMA requires to carry flood insurance in Morgan County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 3 policies against 357 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Across all residential structures in Morgan County, not just the ones FEMA mandates, 0.1% 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 1999 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 1724 of 3144 by population (1 is biggest). Morgan County, Georgia is home to about 21,940 people across 347.411 square miles of land.
Your street may differ from Morgan County's average
FEMA counts 10,243 residential structures in Morgan County overall, 7 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
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.