Photo: Zeete · CC BY-SA 4.0Storms, floods and disasters in Flanders
Flanders isn’t graded for hazard risk: Flanders is a Census area inside a town, graded with the town. Flood insurance has paid 49 claims here since 1979.
What Flanders 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
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 Flanders flood? Sometimes: 49 flood claims since 1979
Every paid claim on a federal flood insurance policy in Flanders, from FEMA’s records.
- Hurricane Irene16 claims · $346K
- Hurricane Floyd3 claims · $24K
Flanders isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Morris County.The storms Flanders remembers
None of the 25 disasters declared for Morris County shows FEMA aid or repair money reaching Flanders itself in FEMA’s records, so these are its biggest flood-claim years.
- 201122 flood claims paidThe year of Severe Storm, declared for Morris County
- 19796 flood claims paidNo declaration for the county that year
- 19965 flood claims paidThe year of Severe Storms and Flooding, declared for Morris County
Morris County has had 25 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 Flanders after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Flanders archive →Flanders 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 |
|---|---|---|---|
| Roxbury Township | A−less damage than 79% | river and rain flooding | 20 |
| Mount Olive Township | B+less damage than 69% | river and rain flooding | 53 |
| Succasunna | — | a Census area inside a town; graded with the town | |
| Budd Lake | — | a Census area inside a town; graded with the town | |
| Ledgewood | — | 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 Flanders 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.
- 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 Flanders
Does Flanders flood?
Flood insurance has paid 49 claims in Flanders since 1979, $738K in all. The most claims came from Hurricane Irene (16).
Is Flanders 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 Morris County, 1.4% of all homes carry federal flood insurance.
How much is flood insurance in Flanders?
FEMA’s Community Rating System list shows no discount for Flanders’ 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 Flanders?
By flood claims, Hurricane Irene: 16 paid, $346K.
Storm stories
Memories, warnings and help from neighbors in Flanders.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Flanders’ 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.