Photo: Mr. Matté (if there is an issue with this image, contact me using this image's Commons talk page, my Commons user talk page, or my English Wikipedia user talk page; I'll know about it a lot faster) · CC BY 3.0Storms, floods and disasters in Bradley Gardens
Bradley Gardens isn’t graded for hazard risk: Bradley Gardens is a Census area inside a town, graded with the town. Flood insurance has paid 105 claims here since 1979.
What Bradley Gardens 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
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 Bradley Gardens flood? Yes: 105 flood claims since 1979
Every paid claim on a federal flood insurance policy in Bradley Gardens, from FEMA’s records.
- Hurricane Irene25 claims · $1.0M
- Hurricane Ida23 claims · $1.4M
- Hurricane Floyd17 claims · $592K
Bradley Gardens 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 Bradley Gardens remembers
None of the 22 disasters declared for Somerset County shows FEMA aid or repair money reaching Bradley Gardens itself in FEMA’s records, so these are its biggest flood-claim years.
- 201127 flood claims paidThe year of Severe Storm, declared for Somerset County
- 202124 flood claims paidThe year of Remnants of Hurricane Ida, declared for Somerset County
- 199917 flood claims paidThe year of Hurricane Floyd Major Disaster Declarations, 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 Bradley Gardens after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Bradley Gardens archive →Bradley Gardens 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 |
|---|---|---|---|
| Hillsborough Township | B−less damage than 52% | river and rain flooding | 196 |
| Bridgewater Township | C+more damage than 59% | river and rain flooding | 225 |
| Branchburg Township | C+more damage than 61% | river and rain flooding | 185 |
| Raritan | Cmore damage than 70% | river and rain flooding | 17 |
| Bridgewater Center | — | 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 Bradley Gardens 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.
- 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 Bradley Gardens
Does Bradley Gardens flood?
Flood insurance has paid 105 claims in Bradley Gardens since 1979, $3.4M in all. The most claims came from Hurricane Irene (25).
Is Bradley Gardens 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 Bradley Gardens?
FEMA’s Community Rating System list shows no discount for Bradley Gardens’ 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 Bradley Gardens?
By flood claims, Hurricane Irene: 25 paid, $1.0M.
Storm stories
Memories, warnings and help from neighbors in Bradley Gardens.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Bradley Gardens’ 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.