Morgan County, IN flood risk explained
Flood hazard in Morgan County sits at the 70.9th national percentile, 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 2.2 times a year. 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
27.3% 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: 148 policies against 542 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 0.7% 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 952 — 1 being the highest hazard nationally — and 761 by population among all 3144 counties covered here, where 1 is the largest. Morgan County, Indiana is home to about 73,825 people across 403.84 square miles of land.
Checking a specific address in Morgan County
Across all of Morgan County's 29,815 residential structures, 218 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.