Storms, floods and disasters in Cream Ridge Township
Cream Ridge Township isn’t graded for hazard risk: Cream Ridge Township has 482 residents; we grade towns of 1,000 or more.
What Cream Ridge Township 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 Cream Ridge Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Cream Ridge Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Cream Ridge Township isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Livingston County.5 federal disasters brought FEMA money to Cream Ridge Township
Disasters that paid out in Cream Ridge Township itself (aid to households or repair grants to Cream Ridge Township), newest first, with that year’s flood claims.
- 2021Severe Storms, Straight-line Winds, Tornadoes, and Flooding$12K to Cream Ridge Township for repairs
- 2019Severe Storms, Tornadoes, and Flooding$8K to Cream Ridge Township for repairs
- 2015Severe Storms, Tornadoes, Straight-line Winds, and Flooding$27K to Cream Ridge Township for repairs
- 2014Severe Storms, Tornadoes, Straight-line Winds, and Flooding$23K to Cream Ridge Township for repairs
- 2011Severe Winter Storm and Snowstorm$7K to Cream Ridge Township for repairs
Livingston County has had 19 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 Cream Ridge Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Cream Ridge Township archive →Cream Ridge Township and its neighbors
How expected damage per building compares across the town line. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Jackson Township | — | 556 residents; we grade 1,000+ | |
| Wilson Township | — | 285 residents; we grade 1,000+ | |
| Medicine Township | — | 114 residents; we grade 1,000+ | |
| Jackson Township | — | 140 residents; we grade 1,000+ | |
| Chillicothe Township | — | not graded yet | |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Cream Ridge Township 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 Cream Ridge Township
Is Cream Ridge Township 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 Livingston County, 0.0% of all homes carry federal flood insurance.
How much is flood insurance in Cream Ridge Township?
FEMA’s Community Rating System list shows no discount for Cream Ridge Township’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 Cream Ridge Township?
By FEMA money that reached Cream Ridge Township, Severe Storms, Tornadoes, Straight-line Winds, and Flooding (2015): $27K to Cream Ridge Township for repairs.
Storm stories
Memories, warnings and help from neighbors in Cream Ridge Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Cream Ridge Township’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.