How much flood risk does Morgan County actually carry?
Morgan County lands at the 82.7th percentile of FEMA's National Risk Index for flooding, "Relatively Moderate" territory — a middling flood hazard by national standards — with the hazard driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 3.3 times a year. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Mandatory flood insurance compliance in Morgan County
10% 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: 57 policies against 570 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, 0.4% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Where Morgan County ranks
Morgan County sits at rank 568 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 1702 of 3144 by population (1 is biggest). About 22,399 people live in Morgan County, Missouri, spread over 597.635 square miles.
Checking a specific address in Morgan County
72 of Morgan County's 17,962 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
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.