🌍 ClimateRiskCheck

Natural Disaster Risk in Morgantown

Indiana

4.5out of 10
Moderate Risk

Risk Summary for Morgantown

Morgantown scores 4.5/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Ice Storm.

Top Hazards

Ice Storm Landslide Tornado

All 18 Hazard Scores

Ice Storm
7.7
Landslide
6.3
Tornado
5.7
Tsunami
5.4
Volcanic Activity
5.1
Earthquake
5.0
Strong Wind
5.0
Coastal Flooding
4.9
Winter Weather
4.7
Avalanche
4.5
Extreme Heat
4.2
Hurricane
3.8
Hail
3.2
Drought
3.0
Lightning
3.0
Cold Wave
2.8
Wildfire
2.0
Riverine Flooding
1.0

How it compares

Morgantown
4.5
Indiana avg.
5.5
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Average risk β€” standard coverage usually sufficient

This area carries average natural disaster risk. A standard homeowners or renters policy should cover common events, but review the exclusions for floods and earthquakes, which are almost never included by default.

This is general information only. Consult a licensed insurance professional for advice specific to your property.

Natural Hazard Profile: Morgantown, Indiana

Morgantown is a town of roughly 6,514 residents in Brown County, in the interior eastern United States. The area experiences cold winters and warm, humid summers with variable severe weather, with spring tornado risk across the state shaping the pattern of natural hazards that residents encounter. Understanding the local risk profile is essential for anyone living in, moving to, or owning property in Morgantown.

FEMA rates Morgantown's composite natural disaster risk at 4.5 out of 10 β€” moderate risk. Freezing rain and ice accretion are the primary winter hazard, with glaze ice events capable of downing power lines, snapping tree limbs, and making roads impassable for days. Residents should also account for landslide and tornado risk in their preparedness planning.

Morgantown's risk score, slightly below the 5.5/10 state average and near the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for Brown County, the highest-scoring are ice storm, landslide, and tornado. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

With a moderate risk rating, Morgantown residents are well-served by maintaining standard preparedness practices β€” an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for ice storm is recommended.

What this means for Morgantown: Ice Storm preparedness

  • Prepare for multi-day power outages, as ice accretion frequently downs power lines.
  • Keep walkways treated and avoid travel during freezing-rain events.
  • Have a backup heat source and charged devices ready before winter storms arrive.

Local Factors for Morgantown

These city-level factors differentiate Morgantown from other communities in Brown County and provide geographic context for its hazard exposure.

Population

6,514

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Moderate Continental

Latitude 39.4Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Lower β€” moist climate limits wildfire frequency

Fire score: 2.0/10

Coordinates

39.3543Β° N, 86.2675Β° W

Brown County

Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.

Recent Climate Data for Morgantown

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Morgantown

Other cities in Indiana

Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.