Enter any address in Morgan County, Missouri to see its FEMA flood zone
Flash flooding from thunderstorms is the primary flood hazard in Morgan County. Over the past 30 years, NOAA Storm Events data shows 92 flash flood events and 40 general flood events. Recent examples include flash flooding on May 8, 2024, and April 1, 2024, both associated with severe thunderstorms producing heavy rainfall.
National Flood Insurance Program (NFIP) claims data indicates that properties in Zone A have experienced the majority of claims, with an average payout of $14,385 for an average water depth of 0.8 feet. Claims in Zone X, while fewer, have shown a significantly higher average water depth of 52.8 feet, with an average payout of $8,107. Homeowners in areas designated as Zone A or Zone X should pay particular attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
32 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Morgan County, Missouri has recorded 132 flood-related events since 1996 according to NOAA's Storm Events Database, including 92 flash floods and 40 river or area floods. The county has received 26 federal disaster declarations, 5 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1973–2023)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| Severe Storms, Straight-line Winds, Tornadoes, And Flooding | Severe Storm | Jul 29, 2023 |
| Covid-19 | Biological | Jan 20, 2020 |
| Covid-19 Pandemic | Biological | Jan 20, 2020 |
| Severe Storms, Tornadoes, Straight-line Winds And Flooding | Flood | Apr 28, 2017 |
| Severe Storms, Tornadoes, Straight-line Winds, And Flooding | Flood | Dec 23, 2015 |
| Severe Storms, Tornadoes, Straight-line Winds, And Flooding | Severe Storm | May 15, 2015 |
| Severe Winter Storm | Severe Storm | Jan 31, 2011 |
| Severe Winter Storm And Snowstorm | Severe Storm | Jan 31, 2011 |
| Severe Winter Storm | Severe Ice Storm | Jan 26, 2009 |
| Severe Storms And Flooding | Severe Storm | Jun 1, 2008 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flood | Jun 4, 2025 | 0.00K |
| Flood | Apr 29, 2024 | 0.00K |
| Flash Flood | May 8, 2024 | 0.00K |
| Flash Flood | May 7, 2024 | 0.00K |
| Flood | May 7, 2024 | 0.00K |
| Flash Flood | Apr 1, 2024 | 40.00K |
| Flash Flood | Apr 1, 2024 | 0.00K |
| Flash Flood | Aug 3, 2023 | 0.00K |
| Flash Flood | Aug 2, 2023 | 0.00K |
| Flood | Aug 1, 2023 | 0.00K |
Flood — Jun 4, 2025
A very moist airmass led to the development of thunderstorms with heavy rainfall rates during the morning and afternoon of June 4th. Significant flash flooding occurred in and around the city of Marshfield. Additional heavy rainfall caused flooding into the evening and overnight hours with some areas picking up two day totals of 3-5 inches.
Flood — Apr 29, 2024
Another round of thunderstorms produced additional heavy rainfall and flooding. A severe storm moved across northern Stone County producing a brief EF-0 tornado. Additional wind damage occurred across Cedar and Dade counties.
Flash Flood — May 8, 2024
Two rounds of severe thunderstorms occurred on May 8, 2024. The first round occurred during the morning and early afternoon hours as a surface low pressure system approached the area from the southwest, pushing a strong frontal boundary and shortwave energy/lift into the region. For this round, thunderstorms were more elevated in nature, producing hail up to golf ball size, damaging winds, and ...
Flash Flood — May 7, 2024
A shortwave trough and an associated cold front pushed through the Missouri Ozarks during the late evening of May 6, 2024 and into the early morning hours of May 7, 2024. Thunderstorms developed along the front west of the Ozarks, quickly growing upscale to a linear storm mode by the time they reached southwest Missouri. This line of thunderstorms pushed through the area, causing widespread win...
Flood — May 7, 2024
A shortwave trough and an associated cold front pushed through the Missouri Ozarks during the late evening of May 6, 2024 and into the early morning hours of May 7, 2024. Thunderstorms developed along the front west of the Ozarks, quickly growing upscale to a linear storm mode by the time they reached southwest Missouri. This line of thunderstorms pushed through the area, causing widespread win...
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, Missouri:
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, Missouri 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.