9 flood insurance claims·$10,887 paid·5 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, Utah. 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.
In flood insurance claims here that reported a flood depth, the average was 3 inches.
Drawn to scale against an 80-inch door. Even a few inches soaks flooring, the bottom of the drywall and anything plugged in near the floor.
Average of the depths reported on claims (zero and implausible values left out); FEMA’s record doesn’t say exactly where each depth was measured. Source: OpenFEMA NFIP claims.
The worst year was 2011, with 4 claims and $7,662 paid, the year of Flooding.
Bar height is scaled by square root so ordinary years stay visible next to the worst one. NFIP claims by year of loss. Source: OpenFEMA.
2 NOAA storm reports from Morgan County describe what happened, in the words of the forecasters who covered it. Read the Utah flood stories →
9 federal disaster declarations since 1977, 5 of them floods, coastal storms or hurricanes.
| Disaster | Began |
|---|---|
| Flooding | May 1, 2023 |
| Straight-line Winds | Sep 7, 2020 |
| Flooding | Apr 18, 2011 |
| Hurricane Katrina Evacuation | Aug 29, 2005 |
| Heavy Rains, Snowmelt & Flooding | Feb 12, 1986 |
| Severe Storms, Landslides & Flooding | Apr 13, 1983 |
| Drought | Jan 20, 1977 |
Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.
7 since 1996: 1 flash floods and 6 river or area floods.
| Event | Date | Damage |
|---|---|---|
| Flood | Apr 12, 2023 | $5,000 |
| Flood | Jan 21, 2012 | $50,000 |
| Flood | May 23, 2011 | $50,000 |
| Flood | Apr 18, 2011 | — |
| Flood | Apr 18, 2011 | $10,000 |
| Flood | Mar 16, 2011 | $15,000 |
| Flash Flood | Aug 30, 2000 | $50,000 |
— = no damage estimate in the record. Source: NOAA Storm Events Database.
Flood · Apr 12, 2023. Snowmelt brought enhanced flows, with avalanches, flooding and debris flows.
Flood · Jan 21, 2012. A potent Pacific storm system moved through Utah on January 21st and 22nd. Gusty winds were observed both ahead of and behind the strong cold front. Flooding, again due to heavy rain on top of frozen ground, was observed in the Wasatch mountain valleys. Heavy snowfall was also observed in the higher elevations across much of Utah, as well as the benches of the northern Wasatch Front behind the cold front.
Flood · May 23, 2011. Warm temperatures and fast snowmelt caused widespread river flooding across Utah through the end of May. Major rivers impacted included the Sevier River, the South Fork of the Ogden River, and much of the Weber River system. Note that this episode continued into June.
Flood · Apr 18, 2011. The combination of warmer temperatures and heavy rainfall caused flooding across many creeks and rivers across northern Utah. A few of the most impacted waterways included the Blacksmith Fork River, the Weber River, and Chalk Creek.
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.