Morgan County, OH flood risk explained
Flood hazard in Morgan County sits at the 45.3th 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 1.3 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
Out of 790 homes FEMA counts inside Morgan County's mapped flood zone, 39 carry the flood policy federal law requires there — 4.9% compliance, short of full coverage. Looking beyond the mandated zone, 0.5% 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.
Where Morgan County ranks
Among the 3144 US counties FEMA scores for flood hazard, Morgan County ranks 1782 — 1 being the highest hazard nationally — and 2187 by population among all 3144 counties covered here, where 1 is the largest. About 13,532 people live in Morgan County, Ohio, spread over 416.426 square miles.
Your street may differ from Morgan County's average
44 of Morgan County's 9,213 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
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.