Bank of Jersey · Photo: Herferbrian · CC BY-SA 4.0Storms, floods and disasters in Jersey
Jersey isn’t graded for hazard risk: Jersey has 148 residents; we grade towns of 1,000 or more. Flood insurance has paid 1 claim here since 2015.
What Jersey faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
River and rain flooding
Tornadoes
Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.
Does Jersey flood? Rarely: 1 flood claim since 2015
Every paid claim on a federal flood insurance policy in Jersey, from FEMA’s records.
- The Early winter storms1 claim · $13K
Jersey isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Walton County.The storms Jersey remembers
None of the 9 disasters declared for Walton County shows FEMA aid or repair money reaching Jersey itself in FEMA’s records, so these are its biggest flood-claim years.
- 20151 flood claims paidNo declaration for the county that year
Walton County has had 9 natural disasters declared by the President since 1953, most often severe storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Jersey after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Jersey archive →Get ready for what Jersey faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Jersey
Does Jersey flood?
Flood insurance has paid 1 claim in Jersey since 2015, $13K in all. The most claims came from Early winter storms (1).
Is Jersey in a flood zone?
Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Walton County, 5% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Jersey?
FEMA’s Community Rating System list shows no discount for Jersey’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Jersey?
By flood claims, Early winter storms: 1 paid, $13K.
Storm stories
Memories, warnings and help from neighbors in Jersey.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Jersey’s residents lived in the 2020 census; OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.