Storms, floods and disasters in Basking Ridge
Basking Ridge isn’t graded for hazard risk: Basking Ridge is a Census area inside a town, graded with the town. Flood insurance has paid 9 claims here since 1996.
What Basking Ridge 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
Earthquakes
Hurricanes
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 Basking Ridge flood? Rarely: 9 flood claims since 1996
Every paid claim on a federal flood insurance policy in Basking Ridge, from FEMA’s records.
- Hurricane Floyd2 claims · $47K
- Hurricane Irene2 claims · $46K
- The Torrential rain1 claim · $5K
Basking Ridge isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Somerset County.The storms Basking Ridge remembers
None of the 22 disasters declared for Somerset County shows FEMA aid or repair money reaching Basking Ridge itself in FEMA’s records, so these are its biggest flood-claim years.
- 19962 flood claims paidThe year of Severe Storms and Flooding, declared for Somerset County
- 19992 flood claims paidThe year of Hurricane Floyd Major Disaster Declarations, declared for Somerset County
- 20112 flood claims paidThe year of Severe Storm, declared for Somerset County
Somerset County has had 22 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 Basking Ridge after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Basking Ridge archive →Basking Ridge 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 |
|---|---|---|---|
| Bernardsville | Bless damage than 62% | river and rain flooding | 23 |
| Bernards Township | B−more damage than 50% | river and rain flooding | 69 |
| Harding Township | C+more damage than 57% | river and rain flooding | 18 |
| Lyons | — | a Census area inside a town; graded with the town | |
| Liberty Corner | — | 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 Basking Ridge 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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.
- 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 Basking Ridge
Does Basking Ridge flood?
Flood insurance has paid 9 claims in Basking Ridge since 1996, $454K in all. The most claims came from Hurricane Floyd (2).
Is Basking Ridge 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 Somerset County, 53% of homes in mapped flood zones carry federal flood insurance, and 1.4% of all homes do.
How much is flood insurance in Basking Ridge?
FEMA’s Community Rating System list shows no discount for Basking Ridge’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 Basking Ridge?
By flood claims, Hurricane Floyd: 2 paid, $47K.
Storm stories
Memories, warnings and help from neighbors in Basking Ridge.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Basking Ridge’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.