Enter any address in Morgan County, Georgia to see its FEMA flood zone
Flash flooding from thunderstorms is the most frequent type of flood event recorded in Morgan County over the past 30 years, with 14 occurrences. Tropical storms have also contributed significantly, with 15 events recorded in the same period. For example, Hurricane Helene in September 2024 brought widespread rainfall totals between 6 and 14 inches to north and central Georgia, including Morgan County. In August 2023, thunderstorms fueled by tropical moisture led to torrential rainfall and flash flooding.
While the National Flood Insurance Program (NFIP) has recorded only one claim in Zone X for Morgan County, with no reported water depth or payout, this does not eliminate flood risk. Residents in areas prone to flash flooding, particularly those located in lower elevations or near drainage paths, should remain aware of weather conditions. Properties situated in areas with a history of heavy rainfall events or those not meeting the Base Flood Elevation (BFE) may warrant particular attention.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
16 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Morgan County, Georgia has recorded 34 flood-related events since 1996 according to NOAA's Storm Events Database, including 14 flash floods and 3 river or area floods. The county has received 13 federal disaster declarations. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1977–2026)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| Severe Winter Storm | Winter Storm | Jan 22, 2026 |
| Hurricane Helene | Tropical Storm | Sep 24, 2024 |
| Covid-19 | Biological | Jan 20, 2020 |
| Covid-19 Pandemic | Biological | Jan 20, 2020 |
| Hurricane Michael | Hurricane | Oct 9, 2018 |
| Hurricane Irma | Hurricane | Sep 7, 2017 |
| Severe Storms And Flooding | Severe Storm | Dec 22, 2015 |
| Severe Winter Storm | Severe Ice Storm | Feb 10, 2014 |
| Severe Storms, Tornadoes, Straight-line Winds, And Associated Flooding | Severe Storm | Apr 27, 2011 |
| Hurricane Katrina Evacuation | Hurricane | Aug 27, 2005 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Tropical Storm | Sep 27, 2024 | 2.00K |
| Tropical Storm | Sep 27, 2024 | 1.00K |
| Flash Flood | Aug 28, 2023 | 0.00K |
| Flash Flood | Dec 30, 2021 | 0.00K |
| Flash Flood | Oct 6, 2021 | 15.00K |
| Flash Flood | Oct 6, 2021 | 0.00K |
| Tropical Storm | Oct 29, 2020 | — |
| Flash Flood | Jun 20, 2017 | 6.00K |
| Tropical Storm | Sep 11, 2017 | 200.00K |
| Flash Flood | Dec 30, 2015 | 334.00K |
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 i...
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 Geor...
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.
Tropical Storm — Oct 29, 2020
During the late evening of October 28th through the morning of October 29th, Tropical Storm Zeta swept rapidly across north Georgia producing widespread wind damage and isolated flooding across north and portions of central Georgia. Around 1.5 million customers lost electricity for some period of time, some for several days.
Source: NOAA National Weather Service Storm Events Database.
Source: OpenFEMA NFIP Individual Claims (2.25M records analyzed).
FEMA assigns flood zone designations to areas in Morgan County, Georgia:
AE High Risk — 1% annual chance of flooding. Insurance required.
VE Very High Risk — Coastal flooding with wave action.
X (Shaded) Moderate Risk — 500-year floodplain.
X Low Risk — Outside major floodplains.
Properties in Morgan County, Georgia that are in FEMA-designated Special Flood Hazard Areas (zones A and V) with federally backed mortgages are required to carry flood insurance.
Even outside high-risk zones, flood insurance is recommended. From 2014 to 2024, nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area.
Visit FloodSmart.gov to find an agent and get a quote.