Hunt & Live

Morgan County, MO

21,785 residents · 598 sq mi · 36.5/sq mi · 100% rural

Climate
55.4°F
42.9" rain/yr
Water
humid
Aridity index 1.62
Hardiness
Zone 8a
Winter low ~11.5°F

About Morgan County

Morgan County is a county located in the central portion of the U.S. state of Missouri. As of the 2020 census, the population was 21,006. Its county seat is Versailles. The county was organized January 5, 1833, and named for General Daniel Morgan of the American Revolutionary War.

34
Prepper Suitability
worsebetter
National rank: #2501 of 3,109
Locator map
Location within the continental US

Prepper Assessment

Living in this area features a rural landscape with a population density of 36.5 people per square mile, allowing for ample space and privacy. The climate is characterized by an annual mean temperature of 55.4°F and 42.9 inches of rainfall per year, supporting a growing season suitable for various crops in USDA zone 8a. Water availability is good due to the humid climate, which can enhance self-sufficient living, although the region may face challenges such as hot summers, with highs averaging 88.2°F.

Natural hazards pose significant risks in the area, with notable concerns including ice storms (FEMA rank 93) and heat waves (rank 87), which can disrupt daily life and agricultural activities. Riverine flooding (rank 83) and landslides (rank 82) are also potential threats, especially near waterways. While the violence percentile is relatively low at 39, indicating a safer environment, the overall disaster percentile of 76 suggests that residents should prepare for various weather-related challenges. The median home price of $174,500 may be more accessible than in urban areas, but economic opportunities are limited.

This county may be a good fit for those seeking a quiet, rural lifestyle with the potential for self-sufficiency, particularly individuals adept at managing agricultural practices and prepared for the local climate. However, those reliant on high-speed internet may find the 53% broadband subscription rate inadequate. Additionally, individuals unprepared for the risks associated with natural hazards or those seeking a bustling community might find this area less appealing. Overall, the hidden gem here is the low property tax rate of 0.64%, which can benefit long-term residents.

AI-generated analysis based on county data (climate, hazards, density, housing, economy). For general orientation only.

Key Facts

Ranked #1,736 nationally
Out of 3,109 CONUS counties for composite prepper suitability.
#64 of 115 in MO
Ranked #64 of 115 counties statewide for prepper suitability.
Dominant hazard: ice storm
FEMA ranks ice storm risk at 93/100 here — the leading natural threat.
Rural-suburban mix
36.5 people per square mile.
Climate profile
Classified as humid with a 55.4°F annual mean and 42.9" of annual precipitation. USDA hardiness zone 8a.
Housing & taxes
Median home value $174,500.

Score Breakdown

Violence
77
percentile (lower = safer)
Disasters
76
percentile (lower = safer)
Density
44
percentile (lower = emptier)
Overall FEMA Risk
75.5
NRI composite (0-100)

Natural Hazard Profile (FEMA NRI)

Cold Wave 74
Drought 64
Earthquake 67
Hail 53
Hurricane 36
Heat Wave 87
Riverine Flood 83
Ice Storm 93
Landslide 82
Lightning 64
Strong Wind 52
Tornado 79
Wildfire 72
Winter Weather 79

Monthly Climate (1991–2020 normals)

Average temperature
JFMAMJ JASOND
Monthly precipitation (inches)
JFMAMJ JASOND
Summer high
88.2°F
Winter low
21.5°F
Heating degree days
4,781
Cooling degree days
1,321

Housing & Economy

Median home value
$174,500
Median HH income
$48,841
Price to income
3.6×
Property tax rate
0.64%
~$1,115/yr median

Community Profile

Median age
46
Homeownership
79.8%
Poverty rate
19.7%
Unemployment
3.5%

Connectivity

Broadband households
53.2%
No internet access
20.9%

Explore Morgan County Further

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Data sources. Prepper scores are national percentile ranks of firearm fatalities (County Health Rankings 2024 / CDC WONDER), FEMA National Risk Index 2023 composite disaster score, and population density (ACS 2022 + TIGER 2022 land area). Climate from NOAA nClimDiv 1991–2020 normals. Hardiness zone is estimated from climate data and may differ from the official USDA PHZM. Demographics and housing from Census ACS 5-year 2022. All scores are for comparison purposes only and do not constitute advice about where to live.