Morgan County
Kentucky — Natural Disaster Risk Assessment
Very LowComposite Risk Score
National percentile: 22th
Morgan County faces very low composite natural disaster risk (NRI Risk Index score 22.1, 22th national percentile), driven primarily by landslide and wildfire exposure. Expected annual loss across all 18 hazard types is $7M.
Source: FEMA National Risk Index v1.20 · Updated December 2025
Top Hazards
All 18 Hazard Risks
| Landslide | Medium | 1.14 / yr | $45K |
| Wildfire | Low | 0.00 / yr | $162K |
| Riverine Flood | Low | 1.75 / yr | $5M |
| Winter Weather | Low | 15.21 / yr | $48K |
| Heat Wave | Very Low | 2.53 / yr | $181K |
| Hurricane | Very Low | 0.02 / yr | $22K |
| Earthquake | Very Low | 0.00 / yr | $112K |
| Lightning | Low | 50.48 / yr | $111K |
| Strong Wind | Low | 4.14 / yr | $282K |
| Tornado | Low | 0.09 / yr | $442K |
| Hail | Very Low | 3.26 / yr | $84K |
| Ice Storm | Very Low | 0.41 / yr | $21K |
| Cold Wave | Very Low | 1.16 / yr | $192K |
| Avalanche | Very Low | 0.00 / yr | $0 |
| Coastal Flood | Very Low | 0.00 / yr | $0 |
| Drought | Very Low | 2.98 / yr | $0 |
| Tsunami | Very Low | 0.00 / yr | $0 |
| Volcanic Activity | Very Low | 0.00 / yr | $0 |
Frequently Asked Questions
What is the overall natural disaster risk for Morgan County?
Morgan County has a composite FEMA National Risk Index score of 22.1 out of 100, placing it in the Very Low category and the 22th national percentile. This combines Expected Annual Loss, Social Vulnerability, and Community Resilience across 18 hazard types.
What are the top natural hazards in Morgan County?
The three highest-rated hazards are Landslide (Medium, $45K EAL), Wildfire (Low, $162K EAL), Riverine Flood (Low, $5M EAL). These account for most of the county's expected annual losses.
How does Morgan County compare to other Kentucky counties?
Morgan County ranks #98 of 120 Kentucky counties for overall natural disaster risk, with a very low rating.
What does Expected Annual Loss (EAL) mean?
EAL is FEMA's estimate of average annual dollar losses from natural hazards, calculated from historical event data and exposure models. Morgan County's $7M EAL is a statistical average, not a guarantee for any specific year or address.