Hazard Plain Automated baseline

Morgan County, IN

Risk-assessment baseline packet

County FIPS:
18109
Release:
2026-10
Data as of:
2026-09-30
Storm Events data through:
2026-06-30

Hazard Plain is an independent product built from public federal data. It is not a FEMA document and is not reviewed or endorsed by FEMA or any state agency.

Hazard Plain release 2026-10, as of 2026-09-30.

Summary

Plan status as of 2026-09-30: Approved, expires 2028-05-28. Plan: Morgan County 2023 Hazard Mitigation Plan (FEMA plan 108986), approved 2023-05-29.

Since the plan was approved on 2023-05-29: 4 new hazard declarations (3 incidents) and 50 NOAA Storm Events records; details under "What changed since your last plan".

Highest expected annual loss (FEMA National Risk Index, modeled total; see B1-a): Inland Flooding ($15,329,081 a year), Tornado ($4,000,150) and Strong Wind ($1,780,461).

The tables that follow are organized by the items of FEMA's Local Mitigation Plan Review Tool, Element B (B1-a to B2-c); each heading says which item its tables support.

Plan clock

Status:
Approved, expires 2028-05-28
Plan:
Morgan County 2023 Hazard Mitigation Plan (FEMA plan 108986)
Approved:
2023-05-29
Days to expiry:
606

What changed since your last plan (approved 2023-05-29)

New federal declarations:
4 new hazard declarations (3 incidents): DR-4882-IN (Severe Storms, Straight-Line Winds, Tornadoes, and Flooding), EM-3641-IN (Severe Winter Storm), EM-3651-IN (Severe Storms, Straight-Line Winds, Tornadoes, and Flooding), DR-4933-IN (Severe Storms, Straight-Line Winds, Tornadoes, and Flooding)
Storm Events records since approval:
50 records (data through 2026-06-30)
Repetitive loss now:
FMA RL 2, SRL 4 (44 CFR 77.2); any definition: 24
Repeat-flood change:
this release sets the baseline count.

Sources: 1, 2, 4, 6 (numbered list at the end)

Plan status for every jurisdiction listed in this county: 13 rows, in the section "Plan clock: Plan status for every jurisdiction listed in this county" on the following pages.

State plan status and tribal plans in this state: see the state page.

Plan clock

Plan status for every jurisdiction listed in this county

Source: 1

JurisdictionTypeStatusPlanApprovedExpiresDays to expirynegative = days since expiryNotes
Morgan CountyCountyApproved, expires 2028-05-28Morgan County 2023 Hazard Mitigation Plan (FEMA plan 108986)2023-05-292028-05-28606this jurisdiction approved 2024-04-01
Bethany townTownApproved, expires 2028-05-28Morgan County 2023 Hazard Mitigation Plan (FEMA plan 108986)2023-05-292028-05-28606this jurisdiction approved 2024-04-01
Brooklyn townTownApproved, expires 2028-05-28Morgan County 2023 Hazard Mitigation Plan (FEMA plan 108986)2023-05-292028-05-28606this jurisdiction approved 2024-04-01
Martinsville cityCityApproved, expires 2028-05-28Morgan County 2023 Hazard Mitigation Plan (FEMA plan 108986)2023-05-292028-05-28606
Monrovia townTownApproved, expires 2028-05-28Morgan County 2023 Hazard Mitigation Plan (FEMA plan 108986)2023-05-292028-05-28606this jurisdiction approved 2024-04-01
Mooresville townTownApproved, expires 2028-05-28Morgan County 2023 Hazard Mitigation Plan (FEMA plan 108986)2023-05-292028-05-28606this jurisdiction approved 2024-04-01
Morgantown townTownApproved, expires 2028-05-28Morgan County 2023 Hazard Mitigation Plan (FEMA plan 108986)2023-05-292028-05-28606this jurisdiction approved 2024-04-01
Paragon townTownApproved, expires 2028-05-28Morgan County 2023 Hazard Mitigation Plan (FEMA plan 108986)2023-05-292028-05-28606this jurisdiction approved 2024-04-01
Eminence Community School CorporationSchool/School DistrictApproved, expires 2028-05-28Morgan County 2023 Hazard Mitigation Plan (FEMA plan 108986)2023-05-292028-05-28606this jurisdiction approved 2024-04-01
Martinsville Schools Metropolitan School DistrictSchool/School DistrictApproved, expires 2028-05-28Morgan County 2023 Hazard Mitigation Plan (FEMA plan 108986)2023-05-292028-05-28606this jurisdiction approved 2024-04-01
Monroe-Gregg School DistrictSchool/School DistrictApproved, expires 2028-05-28Morgan County 2023 Hazard Mitigation Plan (FEMA plan 108986)2023-05-292028-05-28606this jurisdiction approved 2024-04-01
Mooresville Consolidated School CorporationSchool/School DistrictApproved, expires 2028-05-28Morgan County 2023 Hazard Mitigation Plan (FEMA plan 108986)2023-05-292028-05-28606this jurisdiction approved 2024-04-01
Morgan County Soil & Water Conservation DistrictConservation DistrictApproved, expires 2028-05-28Morgan County 2023 Hazard Mitigation Plan (FEMA plan 108986)2023-05-292028-05-28606this jurisdiction approved 2024-04-01

Supports FEMA checklist item B1-a: hazard identification

Hazards NRI does not cover (local data needed)

  • dam failure (incl. upstream dams)
  • levee failure
  • flash flood as its own subtype
  • ice jams
  • debris flows
  • erosion (riverine and coastal)
  • land subsidence and sinkholes
  • expansive soils

The 18 National Risk Index hazards, ranked by expected annual loss (EAL)

Sources: 5, 6

Rank by EALHazardNRI risk ratingEAL ratingEAL buildingsmodeled dollars per yearEAL agriculturemodeled dollars per yearCost of expected deaths and injuriesFEMA's dollar value per year, not property damageEAL total (see note)modeled dollars per yearStorm Events records, 1996 to 2026-06-30countStorm Events coverage note
1Inland FloodingRelatively LowRelatively Low$14,437,448$662,395$229,239$15,329,08191
2TornadoRelatively ModerateRelatively Moderate$2,399,658$701$1,599,791$4,000,15014
3Strong WindRelatively HighRelatively High$241,105$55$1,539,301$1,780,461166Includes 9 High Wind records (a NOAA non-thunderstorm wind type, outside NRI's Strong Wind definition).
4Cold WaveRelatively LowRelatively Moderate$1,087$65,581$1,697,669$1,764,3383
5EarthquakeRelatively LowRelatively Low$896,992n/a$139,043$1,036,035Storm Events does not record earthquakes.
6HailRelatively ModerateRelatively Moderate$904,357$16,043$54,906$975,306122
7Heat WaveRelatively LowRelatively Low$5,478$1$756,134$761,6132
8LightningRelatively LowRelatively Low$41,576n/a$203,079$244,6557
9Winter WeatherRelatively ModerateRelatively Moderate$40,408$253$199,747$240,40837
10DroughtRelatively LowRelatively Lown/a$214,394n/a$214,3948
11Ice StormRelatively LowRelatively Low$2,543n/a$120,389$122,9332
12LandslideRelatively LowRelatively Low$2,312n/a$30,271$32,5830No recorded events in Storm Events since 1996 (data through 2026-06-30).
13WildfireVery LowVery Low$9,123$5$1,625$10,7530No recorded events in Storm Events since 1996 (data through 2026-06-30).
14HurricaneVery LowVery Low$1,027$1,129$2$2,1570No recorded events in Storm Events since 1996 (data through 2026-06-30).

Total = buildings + agriculture + population equivalence; FEMA values each expected death (or 10 injuries) at $13.7 million (2024 dollars).

NRI risk rating combines expected annual loss with social vulnerability and community resilience; EAL rating rates expected annual loss alone. Both compare this county with all U.S. counties.

Local data needed: state and local landslide and wildfire records (Storm Events records these hazards only in part).

Not applicable to this county per NRI, with no federal declaration and no Storm Events record since 1996: avalanche, coastal flooding, tsunami and volcanic activity. That is the evidence for leaving them out of the plan.

The state hazard mitigation plan also lists hazards for this county; FEMA asks the plan to explain any hazard it leaves out.

Supports FEMA checklist item B1-b: hazard location

Affects the whole county (national data give no location within it): Cold Wave, Drought, Hail, Heat Wave, Ice Storm, Lightning, Strong Wind and Winter Weather.

Inland Flooding: The FEMA Flood Insurance Rate Map (FIRM) is the required location source for flooding. See the FEMA Flood Map Service Center (https://msc.fema.gov) for this county.

Hazards that vary within the county: highest-rated census tracts

Source: 5

HazardHighest-rated census tractsNRI risk rating, score 0 to 100
Earthquaketract 5103 (Relatively Moderate, 79.6); tract 5102.02 (Relatively Low, 74.1); tract 5104.01 (Relatively Low, 71.2)
Hurricanetract 5104.01 (Very Low, 27.7); tract 5104.02 (Very Low, 23.6); tract 5110.01 (Very Low, 23.5)
Landslidetract 5110.01 (Relatively Moderate, 97.8); tract 5107.01 (Relatively Moderate, 97.3); tract 5106.02 (Relatively Moderate, 95.9)
Tornadotract 5103 (Relatively High, 92.3); tract 5104.01 (Relatively High, 85.2); tract 5102.02 (Relatively High, 84.1)
Wildfiretract 5106.01 (Relatively Low, 77.4); tract 5104.02 (Very Low, 65.8); tract 5104.01 (Very Low, 62.7)

Up to 3 census tracts per hazard, highest National Risk Index rating first, then highest score; a tract number is the Census tract number (for example 5103 is Census Tract 5103). FEMA's Resilience Analysis and Planning Tool maps the National Risk Index for every tract: https://www.fema.gov/emergency-managers/practitioners/resilience-analysis-and-planning-tool

Supports FEMA checklist item B1-c: hazard extent

Extent: scale, observed range and worst recorded event per hazard

Sources: 6, 7

HazardScaleRecordscount and yearsObserved rangeWorst recorded eventMost damaging (when different)How it applies to jurisdictionsNote
Cold/Wind Chill, Extreme Cold/Wind Chillwind chill3 records, 1996 to 2026 (3 zone-level)1 day to 4 days (median 3 days); 3 with a recorded value4 consecutive days, 1996-02-02 to 1996-02-05, zone-levelCountywide (zone-level records).
Frost/Freeze (outside NRI's Cold Wave definition)crop damage0
DroughtU.S. Drought Monitor scale (D0 to D4)8 records, 2010 to 2012 (8 zone-level)22 days to 92 days (median 61 days); 3 with a recorded value92 days (about 3.0 months), 2012-06-12 to 2012-09-11, a run of 4 consecutive Storm Events drought records, zone-levelCountywide (zone-level records).Storm Events enters a drought at D2 or worse east of the Rockies and D3 or worse from the Rockies west (NWS Instruction 10-1605); NRI drought counts D3 and D4 only.
EarthquakeModified Mercalli (local data)0Storm Events does not record earthquakes; the USGS earthquake catalog is the source.
Hailhail size (inches)136 records, 1962 to 20260.75 in to 2.75 in (median 1 in); 136 with a recorded value2.75 in hail, 1968-05-15Hail, 2017-07-07, $15,000 property; crops not reported (2017 dollars)Event records naming jurisdictions in the plan: Martinsville city (30 records), Mooresville town (27 records), Paragon town (20 records), Monrovia town (10 records), Bethany town (5 records), Morgantown town (3 records).
Excessive Heat, Heatheat index (in event narratives)2 records, 1997 to 2023 (2 zone-level)2 days to 3 days (median 2.5 days); 2 with a recorded value3 consecutive days, 2023-08-23 to 2023-08-25, zone-levelCountywide (zone-level records).
Hurricane, Tropical Storm, Tropical DepressionSaffir-Simpson0Storm Events files every zone of a storm's episode under the storm's type; flooding from the storm is filed as Flood or Flash Flood records.
Ice StormSperry-Piltz ice scale (local data)2 records, 2011 to 2018 (2 zone-level)No damage reported in 2 records.Countywide (zone-level records).
Flash Flood, Flood, Lakeshore Flooddamage and flood days (flood depth: FIRM)91 records, 1996 to 2026 (32 zone-level)Flood, 2008-06-04, $80,000,000 property; $100,000,000 crops (2008 dollars) (as recorded; larger than this county's annual agriculture value in the National Risk Index (the county or state extension service keeps crop loss records))Event records naming jurisdictions in the plan: Martinsville city (13 records), Paragon town (8 records), Mooresville town (5 records), Bethany town (1 record). Zone-level records (32) apply countywide.Flood depth: see the FEMA Flood Insurance Rate Map. Storm Events damage is often $0 or blank for floods, major ones included; FEMA Public Assistance by declaration (B1-d) shows which floods cost the most.
Debris Flownone (count and damage only)0
Lightningannualized frequency (the measure FEMA's Local Mitigation Planning Handbook names)7 records, 1996 to 2004Lightning, 2004-07-22, $500,000 property; $0 crops (2004 dollars)Event records naming jurisdictions in the plan: Martinsville city (4 records), Brooklyn town (1 record), Monrovia town (1 record), Mooresville town (1 record).Storm Events lists lightning with damage or casualties.
High Wind and Strong Wind (outside NRI's Strong Wind definition)wind speed (kt and mph)9 records, 1996 to 2024 (9 zone-level)49 kt (56 mph) to 60 kt (69 mph) (median 52 kt (60 mph)); 9 with a recorded value60 kt (69 mph) estimated gust, High Wind, 2008-09-14; NWS zone INZ054High Wind, 2024-09-27, $700,000 property; crops not reported (zone total, 2024 dollars)Countywide (zone-level records).
Thunderstorm Windwind speed (kt and mph)198 records, 1956 to 202648 kt (55 mph) to 78 kt (90 mph) (median 52 kt (60 mph)); 153 with a recorded value78 kt (90 mph) estimated gust, Thunderstorm Wind, 2008-01-29; same speed and measurement basis also recorded on 2008-01-29Thunderstorm Wind, 2023-03-31, $800,000 property; crops not reported (2023 dollars)Event records naming jurisdictions in the plan: Martinsville city (55 records), Mooresville town (27 records), Paragon town (24 records), Monrovia town (8 records), Bethany town (6 records), Brooklyn town (2 records), Morgantown town (2 records).
TornadoEnhanced Fujita (Fujita before Feb 2007)26 records, 1954 to 2026F/EF0 to F/EF3 (median F/EF1); 25 with a recorded valueF3 tornado, 2002-09-20, 20 mi within this county, 150 yd wide, $15,000,000 property; $30,000 crops (2002 dollars), 28 direct injuriesEvent records naming jurisdictions in the plan: Mooresville town (2 records), Martinsville city (1 record).Before 1996 a tornado is listed once, under the county where it began, with its whole path's rating and length; from 1996 on, each county lists its own segment. Length is not used to rank tornadoes (see Methods).
Wildfireacres burned (local data)0
Winter Storm, Heavy Snow, Blizzard, Lake-Effect Snow, Winter Weather, Sleetnone in data (snowfall: local data)37 records, 1996 to 2026 (37 zone-level)No damage reported in 37 records.Countywide (zone-level records).

In event narratives only (local data needed): wind chill, temperature, heat index, ice thickness, acres burned and snow depth; any physical measure of debris flow and lightning.

Storm Events records are more complete after 1996; before 1996 only Tornado (from 1950), Hail and Thunderstorm Wind (from 1955) exist. Zone-level records from zones that no NWS zone-county file places in this county (mostly before 2020) are not counted here (the Methods page explains the zone matching).

Dollars are nominal (as reported), labeled with the year; not adjusted for inflation.

Supports FEMA checklist item B1-d: previous occurrences

Federal declarations for this county: 20 declarations covering 16 separate hazard incidents counted in this packet (declarations for the same incident count once; non-natural and evacuation-only declarations are not counted).

Federal disaster declarations for this county

Sources: 1, 2, 3

DeclaredIncident beganFEMA numberTypeTitleMapped hazardCounty Public Assistancefederal share obligated, nominal dollarsFlagsNotes
2026-08-252026-08-11DR-4933-INMajor disasterSevere Storms, Straight-Line Winds, Tornadoes, and FloodingInland Flooding (primary); also designated: Strong Wind, Tornadonot yet in FEMA's PA summaries (they cover declarations through 2026-06-30)new since last plan; within last 5 years
2026-08-152026-08-11EM-3651-INEmergencySevere Storms, Straight-Line Winds, Tornadoes, and FloodingInland Flooding (primary); also designated: Strong Wind, Tornadonot yet in FEMA's PA summaries (they cover declarations through 2026-06-30)new since last plan; within last 5 yearssame incident as DR-4933
2026-01-242026-01-23EM-3641-INEmergencySevere Winter StormWinter Weatherno Public Assistance recordednew since last plan; within last 5 years
2025-07-222025-03-30DR-4882-INMajor disasterSevere Storms, Straight-Line Winds, Tornadoes, and FloodingInland Flooding (primary); also designated: Strong Wind, Tornado$821,475.38new since last plan; within last 5 years
2023-04-152023-03-31DR-4704-INMajor disasterSevere Storms, Straight-Line Winds, and TornadoesInland Flooding; Strong Wind; Tornado$2,397,335.39in the 12 months before plan approval; within last 5 years
2020-04-032020-01-20DR-4515-INMajor disasterCOVID-19 PandemicNon-natural, not counted$16,049.38
2020-03-132020-01-20EM-3456-INEmergencyCOVID-19Non-natural, not countedno Public Assistance recordedsame incident as DR-4515
2014-04-222014-01-05DR-4173-INMajor disasterSevere Winter Storm and SnowstormWinter Weather$564,461.26
2008-06-082008-05-30DR-1766-INMajor disasterSevere Storms, Flooding, and TornadoesInland Flooding; Tornado$2,219,666.86
2005-09-102005-08-29EM-3238-INEmergencyHurricane Katrina EvacuationHurricane: evacuation support, not a local hazard event; not countedno Public Assistance recorded
2005-01-212005-01-01DR-1573-INMajor disasterSevere Winter Storms and FloodingInland Flooding; Winter WeatherPA not declared for this county
2005-01-112004-12-21EM-3197-INEmergencySnowWinter Weather$59,891.66
2004-06-032004-05-25DR-1520-INMajor disasterSevere Storms, Tornadoes, and FloodingInland Flooding; TornadoPA not declared for this county
2003-09-052003-08-26DR-1487-INMajor disasterSevere Storms, Tornadoes, and FloodingInland Flooding; TornadoPA not declared for this county
2003-07-112003-07-04DR-1476-INMajor disasterSevere Storms, Tornadoes, and FloodingInland Flooding; TornadoPA not declared for this county
2002-09-252002-09-20DR-1433-INMajor disasterSevere Storms and TornadoesTornado$589,873.42
1999-01-151999-01-01EM-3135-INEmergencyIn-Winter Storm 12/23/98Winter Weather$64,352.65
1996-04-021996-01-06DR-1109-INMajor disasterBlizzard of 96Inland Floodingno Public Assistance recorded
1993-09-091993-08-16DR-1002-INMajor disasterSevere Storms and FloodingInland FloodingPA not declared for this county
1991-01-051990-12-28DR-891-INMajor disasterSevere Storms & FloodingInland Floodingno Public Assistance recorded

School districts and special districts in this county: $17,107.47 (included in the county total above). Public Assistance matched by applicant name to the school districts and special districts FEMA lists as plan participants in this county. They have no row of their own in the jurisdiction table, so their total is listed here. These dollars are already included in the county PA column of the declarations table (the FEMA record places each applicant in this county), so this line is not added to it.

County Public Assistance: applicants the FEMA record places in this county, including any state agencies FEMA files there; statewide rows are listed on the state page; federal share obligated, nominal dollars.

Statewide declarations

Source: 2

DeclaredIncident beganFEMA numberTypeTitleMapped hazard
2002-06-132002-04-28DR-1418-INMajor disasterSevere Storms, Tornadoes and FloodingInland Flooding; Tornado
1964-03-171964-03-17DR-162-INMajor disasterSevere Storms & FloodingInland Flooding
1961-05-201961-05-20DR-113-INMajor disasterFloodsInland Flooding
1954-10-261954-10-26DR-30-INMajor disasterFloodInland Flooding

FEMA recorded these with designated area Statewide and no county, so they are listed on every county page in the state and not counted with county rows. Local data needed: whether each one affected this county.

Previous occurrences by hazard, with explicit no-event rows

Sources: 2, 6, 7

HazardStorm Events records, all years on file(years in the Period column)Since plan approvalrecordsIn the 12 months before plan approvalrecordsLast 5 yearsrecordsDeclared incidents, all yearsseparate disastersDeclared since approvalseparate disastersPeriodStatement
Cold Wave3112001996 to 2026-06-30
Drought8000001996 to 2026-06-30
Earthquake000000Storm Events does not record earthquakes; the USGS earthquake catalog is the source.
Hail1369010001955 to 2026-06-30
Heat Wave2101001996 to 2026-06-30
Hurricane0000001996 to 2026-06-30No recorded events, 1996 to 2026-06-30, NOAA NCEI Storm Events
Ice Storm2000001996 to 2026-06-30
Inland Flooding915051121996 to 2026-06-30
Landslide0000001996 to 2026-06-30No recorded events, 1996 to 2026-06-30, NOAA NCEI Storm Events
Lightning7000001996 to 2026-06-30
Strong Wind20727230321955 to 2026-06-30Includes 9 High Wind records.
Tornado26314821950 to 2026-06-30
Wildfire0000001996 to 2026-06-30No recorded events, 1996 to 2026-06-30, NOAA NCEI Storm Events
Winter Weather37416511996 to 2026-06-30

Notable Storm Events records

Sources: 1, 6, 7

DateEvent typeMagnitude or extentDamagenominal dollarsDeaths, injuriesdirect onlyLocationFlagsWhy listed
2025-04-05Flood$0 property; $0 crops (2025 dollars)1, 0GASBURGnew since last plan; within last 5 yearsdeaths or injuries recorded
2024-09-27High Wind56 kt (64 mph) estimated gust$700,000 property; crops not reported (zone total, 2024 dollars)0, 0NWS zone INZ054 (MORGAN), zone-levelnew since last plan; within last 5 yearsB1-c most damaging: High Wind and Strong Wind
2023-08-23Excessive Heat$0 property; $0 crops (zone total, 2023 dollars)0, 0NWS zone INZ054 (MORGAN), zone-levelnew since last plan; within last 5 yearsB1-c worst recorded: Excessive Heat, Heat
2012-06-12Droughtdamage not reported0, 0NWS zone INZ054 (MORGAN), zone-levelB1-c worst recorded: Drought
2008-09-14High Wind60 kt (69 mph) estimated gustdamage not reported0, 0NWS zone INZ054 (MORGAN), zone-levelB1-c worst recorded: High Wind and Strong Wind
2008-06-04Flood$80,000,000 property; $100,000,000 crops (2008 dollars) (as recorded; larger than this county's annual agriculture value in the National Risk Index (the county or state extension service keeps crop loss records))0, 0CENTERTON to BEECH GROVEB1-c worst recorded: Flash Flood, Flood, Lakeshore Flood
2008-01-29Thunderstorm Wind78 kt (90 mph) estimated gust$350,000 property; crops not reported (2008 dollars)0, 0MARTINSVILLEB1-c worst recorded: Thunderstorm Wind
2004-07-22Lightning$500,000 property; $0 crops (2004 dollars)0, 0MARTINSVILLEB1-c worst recorded: Lightning
2004-01-04Flooddamage not reported1, 0NWS zone INZ054 (MORGAN), zone-leveldeaths or injuries recorded
2002-09-20TornadoF3, 20 mi within this county, 150 yd wide$15,000,000 property; $30,000 crops (2002 dollars)0, 28MARTINSVILLEdeaths or injuries recorded
1996-02-02Cold/Wind Chilldamage not reported0, 0NWS zone INZ054 (MORGAN), zone-levelB1-c worst recorded: Cold/Wind Chill, Extreme Cold/Wind Chill
1968-05-15Hail2.75 indamage not recorded (pre-1996 record)0, 0location not recordedB1-c worst recorded: Hail

The full list is in the Excel file, sheet "B1-d Storm Events history" (519 rows).

Location is the place NOAA recorded, as written in its data; it need not be a jurisdiction in this plan.

Local data needed: state-declared emergencies, from your state emergency management agency (federal data do not include them).

Tribal and special-area declarations in this state are listed on the state page.

Supports FEMA checklist item B1-e: probability of future events

Probability: FEMA annualized frequency and descriptor per hazard

Sources: 5, 6

HazardFEMA annualized frequency (modeled)unit per rowUnitIn plain termsDescriptorDescriptor basisNRI events or days in its record period (hail, wind and tornado are area-weighted, so can be fractional)NRI periodLocationNote
Cold Wave2.68event-days per yearabout 2.68 days per yearPossibleStorm Events event-days in 2 of 30 years, 1996 to 2025 (6.67%)512005-11-12 to 2024-11-12 (19 years)countywide
Drought2.29event-days per yearabout 2.29 days per yearLikelyStorm Events event-days in 3 of 30 years, 1996 to 2025 (10%)702000 to 2025 (25.25 years; D3 and D4 only)countywide
Earthquake0.00239annual probability at a locationchance a given location in the county has at least minor-damage shaking in a year: 0.239%not shownmodeledsee B1-fNo descriptor (Storm Events does not record earthquakes).
Hail4.11events per yearabout 4.11 per yearHighly likelyFEMA annualized frequency (modeled)156.2 (modeled)1986 to 2023 (38 years)countywide
Heat Wave4.63event-days per yearabout 4.63 days per yearPossibleStorm Events event-days in 2 of 30 years, 1996 to 2025 (6.67%)662005-11-12 to 2024-11-12 (19 years)countywide
Hurricane0.00575events per yearabout 1 in 174 yearsUnlikelyFEMA annualized frequency (modeled)21851 to 2024 (Atlantic)see B1-fNRI counts hurricane and tropical storm tracks passing within storm-force wind range; federal declarations are in B1-d.
Ice Storm0.634event-days per yearabout 0.634 days per yearPossibleStorm Events event-days in 2 of 30 years, 1996 to 2025 (6.67%)431946-12-31 to 2014-02-12 (67 years)countywide
Inland Flooding2.21event-days per yearabout 2.21 days per yearLikelyStorm Events event-days in 23 of 30 years, 1996 to 2025 (76.7%)621996 to 2023 (28 years)see B1-f
Landslide0.294events per year (modeled)about 1 in 3 yearsLikelyFEMA annualized frequency (modeled)not shownmodeledsee B1-f
Lightning49.6days per year with a strikeabout 49.6 days per yearHighly likelyFEMA annualized frequency (modeled)not shown1995 to 2023 (29 years; CONUS)countywide
Strong Wind4.77events per yearabout 4.77 per yearHighly likelyFEMA annualized frequency (modeled)1821986 to 2023 (38 years)countywide
Tornado0.306events per yearabout 1 in 3 yearsLikelyFEMA annualized frequency (modeled)not shown1950 to 2023 (EF2+); 1986 to 2023 (EF0-1)see B1-f
Wildfire0.0000517annual probability at a locationchance a given location in the county burns in a year: 0.00517%Storm Events records in 0 of 30 years, 1996 to 2025 (0%)not shownmodeledsee B1-fNo descriptor: no Storm Events record 1996 to 2025
Winter Weather9.11event-days per yearabout 9.11 days per yearLikelyStorm Events event-days in 23 of 30 years, 1996 to 2025 (76.7%)1732005-11-12 to 2024-11-12 (19 years)countywide

FEMA annualized frequency (modeled) is the National Risk Index v1.20 (December 2025) estimate of how often a hazard affects this county in a year; it is not recorded events divided by years, and its unit differs by hazard (events, event-days, or days with a lightning strike per year). For earthquake, wildfire, coastal flooding and tsunami the value is the chance (or number of events) at a location in the county, not across the county, so no "1 in N years" is given and the descriptor comes from Storm Events where it has a record (none for earthquake). The Methods page gives each hazard's method, from FEMA's National Risk Index Technical Documentation v1.20.

Where NRI gives event-days, the descriptor comes from the share of years with a Storm Events record; NRI's source records more events, so the two differ.

Descriptor scale used in this packet (defined per unit)

Sources: 5, 6

UnitDescriptorDefinition
events per yearHighly likely1 or more per year
events per yearLikelyabout once in 1 to 10 years
events per yearPossibleabout once in 10 to 100 years
events per yearUnlikelyless than once in 100 years
annual probabilityLikely10% to under 100% chance in a given year
annual probabilityPossible1% to under 10% chance in a given year
annual probabilityUnlikelyunder 1% chance in a given year
event-days (share of years)Highly likelyevent-days recorded in 90% or more of years
event-days (share of years)Likelyevent-days recorded in 10% to under 90% of years
event-days (share of years)Possibleevent-days recorded in some years but under 10% of years
lightning strike-daysHighly likelycloud-to-ground strikes on 1 or more days per year

Intensity bands: historical frequency (Storm Events)

Source: 6

HazardBandYearsEventscounty-coded recordsYears in periodEvents per yearevents / years
Hail1.00-1.99 in1996 to 202568302.27
Hail2.00 in+1996 to 20253300.1
Thunderstorm Wind (counted as NRI Strong Wind)50-64 kt1996 to 2025128304.27
Thunderstorm Wind (counted as NRI Strong Wind)65 kt+1996 to 202513300.433
Thunderstorm Wind (counted as NRI Strong Wind)unmeasured or below 50 kt1996 to 20259300.3
TornadoEF0-11996 to 20259300.3
TornadoEF2-31996 to 20252300.0667
TornadoEF4-51996 to 20250300
Tornadounrated (EFU)1996 to 20250300

The bands show how often events of each severity were recorded in this county, to profile how severe events have been (FEMA's probability item asks for the range of intensities).

Hail smaller than 1 inch is not counted: on 2010-01-05 the National Weather Service raised its severe-hail threshold from 3/4 inch to 1 inch, so smaller reports became less common after 2009 (NWS Service Change Notice 09-52). NRI hail frequency uses a 0.75 inch threshold.

Optional: future conditions. Not a required item in the 2025 FEMA Local Mitigation Planning Policy Guide; some states ask for it. The federal Climate Mapping for Resilience and Adaptation (CMRA) site gives county exposure to future climate conditions (https://resilience.climate.gov/).

Supports FEMA checklist item B1-f: hazards that vary across jurisdictions

Range of census tract risk within the county

Source: 5

HazardTractsrated of allNRI risk score, 0 to 100Tracts by rating
MinMedianMax
Cold Wave17 of 1747.966.978.3Relatively High 1, Relatively Moderate 16
Drought16 of 1766.887.594.4Relatively Moderate 1, Relatively Low 12, Very Low 3, No Rating 1
Earthquake17 of 1739.963.279.6Relatively Moderate 1, Relatively Low 15, Very Low 1
Hail17 of 1772.383.691.5Relatively High 1, Relatively Moderate 16
Heat Wave17 of 1727.253.870.3Relatively Moderate 8, Relatively Low 9
Hurricane17 of 1716.620.427.7Very Low 17
Ice Storm17 of 1732.260.173.8Relatively Moderate 2, Relatively Low 14, Very Low 1
Inland Flooding17 of 1732.170.390.8Relatively High 3, Relatively Moderate 12, Relatively Low 2
Landslide17 of 1727.683.097.8Relatively Moderate 3, Relatively Low 7, Very Low 7
Lightning17 of 1732.557.272.6Relatively Moderate 12, Relatively Low 5
Strong Wind17 of 1776.991.496.3Relatively High 16, Relatively Moderate 1
Tornado17 of 1758.877.892.3Relatively High 10, Relatively Moderate 7
Wildfire17 of 1727.057.977.4Relatively Low 1, Very Low 16
Winter Weather17 of 1770.488.194.2Relatively High 16, Relatively Moderate 1

Drought: Agriculture is all of NRI's expected annual loss for this hazard in the county, so the tract range mostly reflects where crop and livestock value is.

Rated tracts only: No Rating (score 0.0), Not Applicable and Insufficient Data tracts are counted but not used for the minimum, median and maximum.

The score ranks a tract against all U.S. tracts (100 = highest). The rating is FEMA's category for the tract's risk value, computed differently, so the two can disagree.

Frequency data for cold wave, drought, hail, heat wave, ice storm, lightning, strong wind and winter weather are county-wide or coarse (49 km grid or NWS zone), the same for every jurisdiction; the tract range mostly reflects where buildings and people are (crop and livestock value where a line above names agriculture).

Each jurisdiction (starting figures from federal data)

Sources: 1, 3, 4, 6

JurisdictionTypePlan statusRepetitive lossFMA RL and SRL (44 CFR 77.2); repeat-flood, any definitionPublic Assistance to this jurisdictionFEMA records matched by applicant name; federal share obligated, nominal dollarsEvent records naming this placeall years; since its plan
Morgan CountyCountyApproved, expires 2028-05-28FMA RL 1, SRL 2; any 15$1,551,816.660 total; 0 since its plan
Bethany townTownApproved, expires 2028-05-28FMA RL 0, SRL 0; any 0no Public Assistance recorded12 total; 3 since its plan
Brooklyn townTownApproved, expires 2028-05-28FMA RL 0, SRL 0; any 0$18,432.023 total; 0 since its plan
Martinsville cityCityApproved, expires 2028-05-28FMA RL 0, SRL 1; any 4$1,300,651.12103 total; 6 since its plan
Monrovia townTownApproved, expires 2028-05-28FMA RL 0, SRL 0; any 0no Public Assistance recorded19 total; 5 since its plan
Mooresville townTownApproved, expires 2028-05-28FMA RL 1, SRL 1; any 5$89,859.1062 total; 3 since its plan
Morgantown townTownApproved, expires 2028-05-28FMA RL 0, SRL 0; any 0$7,099.825 total; 0 since its plan
Paragon townTownApproved, expires 2028-05-28FMA RL 0, SRL 0; any 0$27,289.8652 total; 5 since its plan

Repetitive-loss counts are for whole NFIP communities, which can extend beyond this county (see the note in B2-c).

School districts and special districts get a plan clock row only.

County Public Assistance in B1-d also includes applicants filed under the county that are not jurisdictions in this plan (for example state agencies, special districts and nonprofits), so the jurisdiction rows add up to less.

Supports FEMA checklist items B2-a and B2-b: vulnerability and potential impacts

Local data needed

The table below gives county-level starting figures; the plan describes impacts for each jurisdiction and its own assets.

  • Critical facilities and lifelines per hazard
  • A problem statement per jurisdiction per hazard
  • Changes in development in hazard-prone areas since the last approval, or a statement of none (E1-a)
  • Future assets

County-level starter: exposure, expected annual loss and damage since the plan

Sources: 1, 2, 3, 5, 6, 7

HazardBuilding exposuremodeled dollarsAgriculture exposuremodeled dollarsPopulation exposedpeopleEAL buildingsmodeled dollars per yearEAL agriculturemodeled dollars per yearCost of expected deaths and injuriesFEMA's dollar value per year, not property damageEAL as % of exposurebuildings; agriculture where notedStorm Events damage since 2023-05-29county-coded records, property plus crops, nominal dollarsZone-level damage since planproperty plus crops, reported for the zonePublic Assistance since plannominal dollars; see noteNote
Cold Wave$15,292,396,890$84,378,27471,729$1,087$65,581$1,697,669under 0.0001%
Droughtn/a$72,011,768n/an/a$214,394n/a0.298% (agriculture)NRI has no building exposure for this hazard; agriculture shown
Earthquake$25,804,556,880n/a71,780$896,992n/a$139,0430.00348%
Hail$15,292,396,890$84,378,27471,729$904,357$16,043$54,9060.00591%$0
Heat Wave$15,292,396,890$84,378,27471,729$5,478$1$756,134under 0.0001%$0
Hurricane$15,007,401,137$83,846,85670,167$1,027$1,129$2under 0.0001%
Ice Storm$15,292,396,890n/a71,729$2,543n/a$120,389under 0.0001%
Inland Flooding$15,271,431,813$23,368,7663,157$14,437,448$662,395$229,239n/a (see note)$127,000$821,475.38NRI counts the full building value of any census block with some flood loss; this is not the value of buildings in the floodplain. Use local FIRM overlays for B2-a/B2-b.
Landslide$497,750,359n/a2,319$2,312n/a$30,2710.000464%
Lightning$15,292,396,890n/a71,729$41,576n/a$203,0790.000272%
Strong Wind$15,292,396,890$84,378,27471,729$241,105$55$1,539,3010.00158%$464,000$700,000$821,475.38Storm Events damage since the plan includes 1 zone-level High Wind record ($700,000): a NOAA non-thunderstorm wind type, outside NRI's Strong Wind definition.
Tornado$15,292,396,890$84,378,27471,729$2,399,658$701$1,599,7910.0157%$75,000$821,475.38
Wildfire$3,600,999,434$11,087,09021,610$9,123$5$1,6250.000253%
Winter Weather$15,292,396,890$84,378,27471,729$40,408$253$199,7470.000264%no Public Assistance recorded (1 declaration)

Totals since 2023-05-29 (Storm Events through 2026-06-30): 43 county-coded records, 31 with a damage value recorded (including $0), $666,000; 7 zone-level records, 2 with a damage value recorded (including $0), $700,000 reported for the zone; Public Assistance: $821,475.38 on 4 counted declarations, 1 of them with Public Assistance.

FEMA does not split Public Assistance by hazard. A declaration mapped to several hazards is listed under each of them with its full amount, so the per-hazard column does not add up to the total; the unit total counts each declaration once.

NRI computes earthquake exposure on its own basis, so it exceeds the county building value in B2-a.

Supports FEMA checklist item B2-a: vulnerability (county context)

County context

Source: 5

MeasureValue
Population71,729
Building value (total, not at risk)$15,292,396,890
Agriculture value (total, not at risk)$84,378,274
NRI risk rating (all hazards)Relatively Low
Expected annual loss, buildings and agriculture, all hazards$19,943,672
Expected annual loss, population equivalence, all hazards (NRI values each statistical life at $13.7M; a modeled value of expected deaths and injuries, not property damage)$6,571,195
Social vulnerability ratingRelatively Low
Community resilience ratingRelatively High
NRI versionDecember 2025

FEMA's all-hazard expected annual loss adds buildings, agriculture and population equivalence; this table gives the property part and the population-equivalence part as separate rows.

Social vulnerability: higher means people are more likely to be harmed and slower to recover. Community resilience: lower means the community is less able to recover. High social vulnerability and low resilience both raise the NRI risk rating.

Supports FEMA checklist item B2-c: repetitive loss properties

Repetitive loss in this county, both definitions

Sources: 1, 4

DefinitionPropertiesSevere repetitive lossProperties
Repetitive loss, FMA definition (44 CFR 77.2)2Severe repetitive loss, FMA definition (44 CFR 77.2)4
Repetitive loss, NFIP insurance definition24Severe repetitive loss, NFIP insurance definition4

The state NFIP coordinator's list, the source FEMA's Handbook names, often uses the NFIP insurance definition (second row).

Repeat-flood properties: county and state-level rows

Sources: 1, 4

ScopeRL, FMApropertiesSRL, FMApropertiesRL, NFIPpropertiesSRL, NFIPpropertiesAny categorypropertiesMitigatedpropertiesCurrently insuredproperties
County total242442405
of which: Morgan County (unincorporated area)121521504
of which: Martinsville city0141400
of which: Mooresville town1151501
Statewide, no county in FEMA's file0060600

The statewide row counts properties FEMA's file gives with no county in this state; they are listed for reference and are not in this county's counts.

Repeat-flood properties by jurisdiction in the plan (NFIP community)

Sources: 1, 4

JurisdictionNFIP community IDRL, FMApropertiesSRL, FMApropertiesRL, NFIPpropertiesSRL, NFIPpropertiesAny categorypropertiesMitigatedpropertiesCurrently insuredproperties
Morgan County180176121521504
Bethany town1804000000000
Brooklyn town1804020000000
Martinsville city1801770141400
Monrovia town1805240000000
Mooresville town1803341151501
Morgantown town1801780000000
Paragon town1803380000000

Counts by occupancy group for each jurisdiction are in the Excel file, sheet "B2-c Jurisdictions".

Jurisdiction rows are whole NFIP communities and need not add up to the county total: a community that extends into another county is counted in full on each jurisdiction row, while the county table counts only its part in this county.

County repeat-flood properties by occupancy group

Sources: 1, 4

Occupancy groupRL, FMApropertiesSRL, FMApropertiesRL, NFIPpropertiesSRL, NFIPpropertiesAny categorypropertiesMitigatedpropertiesCurrently insuredproperties
single-family residential131831802
2 to 4 unit residential0000000
other residential0000000
non-residential1161603
not reported0000000

FEMA's occupancy groups have no institutional class; institutional properties are counted in non-residential or other residential in the table by occupancy group.

FMA RL and FMA SRL are the Flood Mitigation Assistance definitions (44 CFR 77.2), the ones the FEMA Local Mitigation Planning Policy Guide cites. NFIP repetitive loss (the FEMA insurance definition) is 2 or more claims over $1,000 in 10 years, and a property can leave that group once it is mitigated. Also shown: NFIP severe repetitive loss, any category, mitigated and currently insured. The Methods page gives the OpenFEMA field details.

Counts are aggregates of FEMA's public NFIP Multiple Loss Properties file (FEMA's data date 2026-08-02; file version 2026-08-04). No property is identified. County assignment is FEMA's geocode.

In this county 0 properties are FMA repetitive loss but not NFIP repetitive loss, and 22 properties are NFIP repetitive loss but not FMA repetitive loss.

Exact counts; no count suppression.

Sources

Tables cite these sources by number. The full list, for the plan's bibliography (FEMA review item A4-a):

  1. FEMA, OpenFEMA HazardMitigationPlanStatuses v1, version 2026-09-29T134039Z, pulled 2026-09-30, https://www.fema.gov/api/open/v1/HazardMitigationPlanStatuses (API)
  2. FEMA, OpenFEMA DisasterDeclarationsSummaries v2, version 2026-09-29T162832Z, pulled 2026-09-30, https://www.fema.gov/api/open/v2/DisasterDeclarationsSummaries (API)
  3. FEMA, OpenFEMA PublicAssistanceFundedProjectsSummaries v1, version 2026-09-29T150754Z, pulled 2026-09-30, https://www.fema.gov/api/open/v1/PublicAssistanceFundedProjectsSummaries (API)
  4. FEMA, OpenFEMA NfipMultipleLossProperties v1, version 2026-08-04T164045Z, pulled 2026-09-30, https://www.fema.gov/api/open/v1/NfipMultipleLossProperties (API)
  5. FEMA, FEMA National Risk Index 1.20.0 (December 2025), county and census tract tables, version 1.20.0, pulled 2026-09-30, https://www.fema.gov/about/reports-and-data/openfema/nri/v120/NRI_Table_Counties.zip (download, 25 MB), https://www.fema.gov/about/reports-and-data/openfema/nri/v120/NRI_Table_CensusTracts.zip (download, 635 MB)
  6. NOAA NCEI, NOAA NCEI Storm Events Database, details files (csvfiles v1.0), version c20260918, pulled 2026-09-30, https://www.ncei.noaa.gov/pub/data/swdi/stormevents/csvfiles/
  7. NOAA National Weather Service, NWS county-public forecast zones correlation file, version bp03mr20 to bp16ap26 (11 files; newest bp16ap26), pulled 2026-09-30, https://www.weather.gov/gis/ZoneCounty
  8. U.S. Census Bureau, Census 2024 Gazetteer, 2020 place by county, CT county-to-cousub crosswalk, version 2024-gazetteer, pulled 2026-09-30, https://www2.census.gov/geo/docs/maps-data/data/gazetteer/2024_Gazetteer/2024_Gaz_counties_national.zip, https://www2.census.gov/geo/docs/maps-data/data/gazetteer/2024_Gazetteer/2024_Gaz_cousubs_national.zip, https://www2.census.gov/geo/docs/maps-data/data/gazetteer/2024_Gazetteer/2024_Gaz_place_national.zip, https://www2.census.gov/geo/docs/maps-data/data/gazetteer/2024_Gazetteer/2024_Gaz_unsd_national.zip, https://www2.census.gov/geo/docs/maps-data/data/gazetteer/2024_Gazetteer/2024_Gaz_elsd_national.zip, https://www2.census.gov/geo/docs/maps-data/data/gazetteer/2024_Gazetteer/2024_Gaz_scsd_national.zip, https://www2.census.gov/geo/docs/reference/codes2020/national_place_by_county2020.txt, https://www2.census.gov/geo/docs/reference/ct_change/ct_cou_to_cousub_crosswalk.xlsx (used to match place names and codes; no table prints its values)

What this packet is and what the plan adds

This packet is the federal data for the plan's risk assessment (the summary on page 1 says how it is organized); the plan and FEMA's review decide whether each item is met.

The plan adds what only the community has: local data on assets, critical facilities, development and each jurisdiction's impacts; local hazard history, including state-declared emergencies; the mitigation strategy; and adoption.

How the federal data are built: National Risk Index values are FEMA's model, not counts of events. Storm Events is more complete from 1996; zone-level records are placed by forecast zone, not by location in the county. Public Assistance for a jurisdiction is matched by applicant name. The Methods page gives every rule and the known edge cases.

OpenFEMA disclaimer

This product uses the Federal Emergency Management Agency's OpenFEMA API, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).

Reuse, citation and corrections

Reuse and citation: Hazard Plain text and tables are licensed under Creative Commons Attribution 4.0 International (CC BY 4.0, https://creativecommons.org/licenses/by/4.0/); credit Hazard Plain and the release. The underlying federal data are public domain; OpenFEMA data are also subject to the OpenFEMA terms and conditions.

Cite this: Hazard Plain (2026). Morgan County, IN: risk-assessment baseline packet, release 2026-10 (data as of 2026-09-30; County FIPS 18109). Automated baseline. https://hazardplain.org/in/18109/ Built from FEMA OpenFEMA, the FEMA National Risk Index and NOAA NCEI Storm Events; source versions in the packet's Sources list.

Corrections: to report an error, name the packet, the table and what your records show. Contact: contact@hazardplain.org