Morgan County, UT: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Morgan County scores at the 10.7th percentile for flood hazard, rated "Very Low" — among the lowest flood hazard in the country. The hazard here is driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about once every 5 years. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Morgan County's flood-insurance compliance gap
Homes with a federally backed mortgage inside Morgan County's mapped high-risk flood zone (the Special Flood Hazard Area, or SFHA) are legally required to carry an NFIP flood policy. In practice, 10.1% of them do — 14 active policies against 139 structures FEMA counts in that zone, leaving a real compliance gap. Looking beyond the mandated zone, 0.9% 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.
How Morgan County compares nationally
Among the 3144 US counties FEMA scores for flood hazard, Morgan County ranks 2826 — 1 being the highest hazard nationally — and 2215 by population among all 3144 counties covered here, where 1 is the largest. Morgan County, Utah covers 609.197 square miles and counts roughly 13,093 residents.
What to do next if you own or are buying in Morgan County
33 of Morgan County's 3,842 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.