Morgan County
Illinois — Natural Disaster Risk Assessment
LowComposite Risk Score
National percentile: 71th
Morgan County faces low composite natural disaster risk (NRI Risk Index score 71.1, 71th national percentile), driven primarily by cold wave and drought exposure. Expected annual loss across all 18 hazard types is $28M.
Source: FEMA National Risk Index v1.20 · Updated December 2025
Top Hazards
All 18 Hazard Risks
| Cold Wave | High | 3.26 / yr | $10M |
| Drought | High | 3.64 / yr | $2M |
| Strong Wind | High | 5.28 / yr | $2M |
| Heat Wave | Medium | 8.37 / yr | $2M |
| Earthquake | Low | 0.00 / yr | $2M |
| Hail | Low | 3.90 / yr | $506K |
| Landslide | Low | 0.22 / yr | $3K |
| Riverine Flood | Low | 1.39 / yr | $9M |
| Ice Storm | Low | 1.47 / yr | $125K |
| Lightning | Low | 46.73 / yr | $240K |
| Tornado | Low | 0.53 / yr | $1M |
| Winter Weather | Low | 8.95 / yr | $54K |
| Hurricane | Very Low | 0.01 / yr | $7K |
| Wildfire | Very Low | 0.00 / yr | $653 |
| Avalanche | Very Low | 0.00 / yr | $0 |
| Coastal Flood | Very Low | 0.00 / 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 71.1 out of 100, placing it in the Low category and the 71th 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 Cold Wave (High, $10M EAL), Drought (High, $2M EAL), Strong Wind (High, $2M EAL). These account for most of the county's expected annual losses.
How does Morgan County compare to other Illinois counties?
Morgan County ranks #33 of 102 Illinois counties for overall natural disaster risk, with a 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 $28M EAL is a statistical average, not a guarantee for any specific year or address.