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 3.0FEMA expects more hazard damage per building in Englishtown than in 92% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Englishtown gets a D for hazard risk: higher expected damage per building than 92% of U.S. towns. Most of that expected damage is river and rain flooding (71%), then strong wind (23%). Flood insurance has paid 31 claims here since 1979.
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 stands out about Englishtown’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Englishtown 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
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 Englishtown’s grade
River and rain flooding is 71% of the building damage FEMA expects in Englishtown, and Englishtown’s rate of river and rain flooding damage is in the top 6% of U.S. census tracts. Strong wind adds 23%, at a rate in the top 1% of U.S. census tracts.
D higher expected damage per building than 92% of U.S. towns (21,298).
All of Englishtown’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $1.4M a year in losses across Englishtown: $1.2M to buildings, the rest to people and crops.
Does Englishtown flood? Sometimes: 31 flood claims since 1979
Every paid claim on a federal flood insurance policy in Englishtown, from FEMA’s records: 38.6 per 1,000 homes, more than 91% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Irene14 claims · $564K
- The March 2010 nor’easter2 claims · $6K
- Hurricane Ida2 claims · $55K
Englishtown isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Monmouth County.3 federal disasters brought FEMA money to Englishtown
Disasters that paid out in Englishtown itself (aid to households or repair grants to the Borough of Englishtown), newest first, with that year’s flood claims.
- 2012Hurricane Sandy104 households applied for aid$6K aid approved$49K to the Borough of Englishtown for repairs
- 2011Hurricane Irene53 households applied for aid$93K aid approved$9K to the Borough of Englishtown for repairs14 flood claims paid for it, $564K
- 2010Severe Storms and Flooding4 households applied for aid$2K aid approved2 flood claims paid that year
Monmouth County has had 20 natural disasters declared by the President since 1953, most often hurricanes and tropical storms, then severe 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 Englishtown after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Englishtown archive →Englishtown and its neighbors
Englishtown has the lowest expected damage per building of the 1 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Englishtown | Dmore damage than 92% | river and rain flooding | 31 |
| Yorketown | — | 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 Englishtown 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.
- 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 Englishtown
Is Englishtown at risk for natural disasters?
On FEMA’s National Risk Index, Englishtown has higher expected damage per building than 92% of U.S. towns: D for hazard risk. Most of the expected damage is river and rain flooding (71%) and strong wind (23%). 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 Englishtown flood?
Flood insurance has paid 31 claims in Englishtown since 1979, $714K in all, or 38.6 per 1,000 homes, more than 91% of U.S. towns with a flood insurance record. 5 properties have flooded more than once. The most claims came from Hurricane Irene (14).
Is Englishtown 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 Monmouth County, 70% of homes in mapped flood zones carry federal flood insurance, and 7.4% of all homes do.
How much is flood insurance in Englishtown?
FEMA’s Community Rating System list shows no discount for Englishtown’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 Englishtown?
By FEMA money that reached Englishtown, Hurricane Irene (2011): 53 households applied for aid, $93K approved, and $9K to the Borough of Englishtown for repairs. By flood claims, Hurricane Irene: 14 paid, $564K.
Is Englishtown at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (71%), and Englishtown’s rate for it is in the top 6% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Englishtown.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Englishtown’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.