How much flood risk does Morgan County actually carry?
Morgan County lands at the 45.7th 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 1.8 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.
Morgan County's flood-insurance compliance gap
Out of 447 homes FEMA counts inside Morgan County's mapped flood zone, 19 carry the flood policy federal law requires there — 4.3% compliance, short of full coverage. Across all residential structures in Morgan County, not just the ones FEMA mandates, 0.4% 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 1769 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 2138 of 3144 by population (1 is biggest). Morgan County, Kentucky covers 381.104 square miles and counts roughly 14,300 residents.
What to do next if you own or are buying in Morgan County
FEMA counts 6,183 residential structures in Morgan County overall, 24 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.