Enter any address in Morgan County, West Virginia to see its FEMA flood zone
River overflow and flash flooding are the dominant flood types in Morgan County, WV, with 53 flood events and 18 flash flood events recorded in the last 30 years. Recent events include widespread minor flooding with isolated moderate flooding caused by extended periods of moderate rain in January 2024, and localized heavy rain events in May 2025.
National Flood Insurance Program (NFIP) data shows 135 claims in Zone A, with an average payout of $15,948 and an average water depth of 4.7 feet. Zone X had 22 claims with an average payout of $13,988, and Zone UNKNOWN had 9 claims with an average payout of $11,142 and an average water depth of 5.3 feet.
Residents in Zone A and Zone UNKNOWN, particularly those near rivers or in low-lying areas, should pay close attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
29 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Morgan County, West Virginia has recorded 71 flood-related events since 1996 according to NOAA's Storm Events Database, including 18 flash floods and 53 river or area floods. The county has received 17 federal disaster declarations, 3 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1972–2026)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| Severe Winter Storm | Winter Storm | Jan 23, 2026 |
| Covid-19 | Biological | Jan 20, 2020 |
| Covid-19 Pandemic | Biological | Jan 20, 2020 |
| Severe Storms, Flooding, Landslides, And Mudslides | Severe Storm | May 28, 2018 |
| Hurricane Sandy | Hurricane | Oct 29, 2012 |
| Severe Storms | Severe Storm | Jun 29, 2012 |
| Severe Winter Storms And Snowstorms | Snowstorm | Feb 5, 2010 |
| Hurricane Katrina Evacuation | Hurricane | Aug 29, 2005 |
| Severe Storms, Flooding, And Landslides | Severe Storm | Sep 16, 2004 |
| Hurricane Isabel | Hurricane | Sep 18, 2003 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flood | May 14, 2025 | 0.00K |
| Flood | Jan 28, 2024 | 0.00K |
| Flood | Jan 10, 2024 | 0.00K |
| Flood | Aug 9, 2024 | 0.00K |
| Flood | May 7, 2022 | 0.00K |
| Flash Flood | Aug 16, 2021 | 0.00K |
| Flood | Mar 1, 2021 | 0.00K |
| Flood | May 1, 2020 | 0.00K |
| Flood | Sep 28, 2018 | 0.00K |
| Flood | Jun 22, 2018 | 0.00K |
Flood — May 14, 2025
A slow moving closed upper level low originating from the Gulf of America brought anomalous moisture into the area bringing localized heavy rain and a long duration moderate rain event.
Flood — Jan 28, 2024
An area of low pressure moved by to the south during the early morning hours of January 29th bringing a widespread inch and a half to two inches of rain. This resulted in some rivers rising into Minor Flood Stage and several streams overflowing their banks.
Flood — Jan 10, 2024
An area of low pressure tracked through the Ohio River Valley and up through the Great Lakes Region. A strong low level jet enhanced moisture flow into the low pressure system leading to an extended period of moderate rain that caused widespread minor flooding with isolated moderate flooding.
Flood — Aug 9, 2024
The remnants of Debby tracked through the area Thursday night into Friday, August 8th into August 9th. Tropical moisture combined with lift from the remnants to cause heavy rain across much of Virginia. The heavy rain led to several instances of flash flooding and flooding.
Flood — May 7, 2022
A line of thunderstorms crossing a warm front caused several instances of flooding across MD on May 6th into May 7th. Residual main stem river flooding continued through May 9th.
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, West Virginia:
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, West Virginia 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.