Photo: Zeete · CC BY-SA 4.0FEMA puts Allamuchy Township’s expected hazard damage per building below that of 68% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Allamuchy Township gets a B+ for hazard risk: lower expected damage per building than 68% of U.S. towns, #105 of 468 in New Jersey. Most of that expected damage is river and rain flooding (80%). Flood insurance has paid 1 claim here since 2011.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What Allamuchy 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
Hurricanes
Strong wind
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.
What’s behind Allamuchy Township’s grade
River and rain flooding is 80% of the building damage FEMA expects in Allamuchy Township, and Allamuchy Township’s rate of river and rain flooding damage is higher than 51% of U.S. census tracts. Strong wind adds 6%, at a rate in the top 8% of U.S. census tracts.
B+ #105 of 468 in New Jersey; lower expected damage per building than 68% of U.S. towns (21,298).
All of Allamuchy Township’s residents live in one census tract; the figures are that tract’s.
The typical New Jersey town has higher expected damage than 56% of U.S. towns; within the state, Allamuchy Township has less expected damage per building than 78% of New Jersey towns.
In dollars, FEMA expects about $2.0M a year in losses across Allamuchy Township: $1.3M to buildings, the rest to people and crops.
Does Allamuchy Township flood? Rarely: 1 flood claim since 2011
Every paid claim on a federal flood insurance policy in Allamuchy Township, from FEMA’s records: 0.4 per 1,000 homes, fewer than 92% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Irene1 claim · $9K
Allamuchy 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: Warren County.5 federal disasters brought FEMA money to Allamuchy Township
Disasters that paid out in Allamuchy Township itself (aid to households or repair grants to Allamuchy Township), newest first, with that year’s flood claims.
- 2021Severe Winter Storm and Snowstorm$23K to Allamuchy Township for repairs
- 2016Severe Winter Storm and Snowstorm$11K to Allamuchy Township for repairs
- 2012Hurricane Sandy1 households applied for aid$8K to Allamuchy Township for repairs
- 2011Severe Storm$2K to Allamuchy Township for repairs
- 2011Hurricane Irene1 households applied for aid$426 aid approved$18K to Allamuchy Township for repairs1 flood claim paid for it, $9K
Warren County has had 19 natural disasters declared by the President since 1953, most often severe storms, then hurricanes and tropical storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees; the 2001 World Trade Center declarations.
Old photos of Allamuchy Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Allamuchy Township archive →Allamuchy Township and its neighbors
Allamuchy Township is 4th of the 6 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Frelinghuysen Township | A−less damage than 80% | river and rain flooding | 2 |
| Independence Township | B+less damage than 72% | river and rain flooding | 2 |
| Mount Olive Township | B+less damage than 69% | river and rain flooding | 53 |
| Allamuchy Township | B+less damage than 68% | river and rain flooding | 1 |
| Green Township | Bless damage than 56% | river and rain flooding | 2 |
| Hackettstown | C+more damage than 57% | river and rain flooding | 22 |
| Panther Valley | — | a Census area inside a town; graded with the town | |
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 Allamuchy 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.
- The season runs June through November and peaks from mid-August to mid-October.
- Bring in porch furniture and anything the wind can throw.
- Fill the gas tank and charge phones before the storm arrives.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- 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 Allamuchy Township
Is Allamuchy Township at risk for natural disasters?
On FEMA’s National Risk Index, Allamuchy Township has lower expected damage per building than 68% of U.S. towns: B+ for hazard risk, #105 of 468 in New Jersey. Most of the expected damage is river and rain flooding (80%) and hurricanes (8%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Allamuchy Township flood?
Flood insurance has paid 1 claim in Allamuchy Township since 2011, $9K in all, or 0.4 per 1,000 homes, fewer than 92% of U.S. towns with a flood insurance record. The most claims came from Hurricane Irene (1).
Is Allamuchy 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 Warren County, 47% of homes in mapped flood zones carry federal flood insurance, and 1.1% of all homes do.
How much is flood insurance in Allamuchy Township?
FEMA’s Community Rating System list shows no discount for Allamuchy 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 Allamuchy Township?
By FEMA money that reached Allamuchy Township, Severe Winter Storm and Snowstorm (2021): $23K to Allamuchy Township for repairs. By flood claims, Hurricane Irene: 1 paid, $9K.
Is Allamuchy Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (80%), and Allamuchy Township’s rate for it is higher than 51% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Allamuchy Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Allamuchy 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.