1 flood insurance claims·$0 paid·1 federal flood & hurricane disasters
Share of the whole county outline, rivers and lakes included; parts FEMA hasn’t mapped count as zero.
Shaded areas are FEMA’s mapped flood hazard zones in and around Morgan County, Georgia. Zoomed out they are simplified; at street level the map switches to FEMA’s exact layer. Tap anywhere to check that spot, or search an address above.
Tropical storms and flash flooding from severe weather dominate the historical flood risk profile of Morgan County, accounting for 29 combined events over the last 30 years out of 34 total recorded flood events.
Recent occurrences illustrate these hazards. In September 2024, Hurricane Helene brought widespread heavy rainfall totals between 6 and 14 inches across the region due to prolonged heavy rain and strong wind gusts as the storm moved inland. In August 2023, significant tropical moisture ahead of Hurricane Idalia fueled slow-moving thunderstorms along a stationary boundary, producing torrential rainfall and flash flooding.
According to historical National Flood Insurance Program records, Zone X has recorded 1 claim with an average payout of $0 and an average recorded water depth of 0 inches. Residents and property owners in Zone X should pay attention to these weather patterns, particularly regarding localized flash flooding driven by heavy tropical rainfall.
Summary written from NOAA storm reports and NFIP claims for this county. Not a prediction.
16 NOAA storm reports from Morgan County describe what happened, in the words of the forecasters who covered it. Read the Georgia flood stories →
13 federal disaster declarations since 1977, 1 of them floods, coastal storms or hurricanes.
| Disaster | Began |
|---|---|
| Severe Winter Storm | Jan 22, 2026 |
| Hurricane Helene | Sep 24, 2024 |
| Hurricane Michael | Oct 9, 2018 |
| Hurricane Irma | Sep 7, 2017 |
| Severe Storms And Flooding | Dec 22, 2015 |
| Severe Winter Storm | Feb 10, 2014 |
| Severe Storms, Tornadoes, Straight-line Winds, And Associated Flooding | Apr 27, 2011 |
| Hurricane Katrina Evacuation | Aug 27, 2005 |
Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.
34 since 1996: 14 flash floods and 3 river or area floods.
| Event | Date | Damage |
|---|---|---|
| Tropical Storm | Sep 27, 2024 | $2,000 |
| Tropical Storm | Sep 27, 2024 | $1,000 |
| Flash Flood | Aug 28, 2023 | — |
| Flash Flood | Dec 30, 2021 | — |
| Flash Flood | Oct 6, 2021 | $15,000 |
| Flash Flood | Oct 6, 2021 | — |
| Tropical Storm | Oct 29, 2020 | — |
| Flash Flood | Jun 20, 2017 | $6,000 |
— = no damage estimate in the record. Source: NOAA Storm Events Database.
Tropical Storm · Sep 27, 2024. Hurricane Helene made landfall as a Category 4 hurricane in the Big Bend region of Florida at 11 PM EDT. Helene moved quickly inland bringing wind gusts between 50 and 100 mph to portions of east and central Georgia. Widespread rainfall totals between 6 and 14 inches were observed in association with Helene across north and central Georgia. The highest rainfall amounts were primarily observed in portions of east-c…
Flash Flood · Aug 28, 2023. Thunderstorms formed along a stationary boundary located draped across west-central and northwest GA on the 28th and 29th. Significant tropical moisture ahead of Hurricane Idalia led to several thunderstorms becoming strong to severe. The main hazards included damaging winds and torrential rainfall.
Flash Flood · Dec 30, 2021. Within an unseasonably warm and moist low-level environment, a strong southwest upper level flow with an intense mid-level shortwave ejecting across the Central Plains/Midwest regions resulted in a line of strong to severe thunderstorms (along with heavy rain) across north Georgia during the evening and overnight hours of 29-30 December 2021. The remnant boundary/front settled over central Georgia during the after…
Flash Flood · Oct 6, 2021. A very moist and marginally unstable airmass ahead of a deep upper-level low over the lower Mississippi Valley resulted one report of a tree down and several flash flooding reports over middle Georgia. Heavy rainfall amounts of 1.5 to 3 inches were observed along a line from Thomaston to Gray to Eatonton to Comer, with pockets of higher amounts between 4 and 8 inches.
National Weather Service narratives, lightly trimmed. Source: NOAA Storm Events Database.
Every colour on the map above is a place on this drawing: where the ground sits relative to the flood FEMA plans for.
If a building in Morgan County is in a high-risk zone (A or V) and its mortgage comes from a federally regulated or insured lender, or is federally backed, flood insurance is required.
Outside those zones it is optional, and often worth having: from 2014 to 2024 nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area. Since Risk Rating 2.0, NFIP premiums are set for each building, so the only reliable price is a quote: FloodSmart.gov or a local agent.