Photo: Leifern · CC BY-SA 3.0FEMA puts Florham Park’s expected hazard damage per building below that of 74% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Florham Park gets a B+ for hazard risk: lower expected damage per building than 74% of U.S. towns, #84 of 468 in New Jersey. Most of that expected damage is river and rain flooding (82%). Flood insurance has paid 4 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 Florham Park 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.
What’s behind Florham Park’s grade
River and rain flooding is 82% of the building damage FEMA expects in Florham Park, and Florham Park’s rate of river and rain flooding damage is lower than 50% of U.S. census tracts. Next is earthquakes at 8% (higher than 66% of U.S. census tracts).
B+ #84 of 468 in New Jersey; lower expected damage per building than 74% of U.S. towns (21,298).
Florham Park’s residents live in 3 census tracts; FEMA’s figures are combined by where they live.
The typical New Jersey town has higher expected damage than 56% of U.S. towns; within the state, Florham Park has less expected damage per building than 82% of New Jersey towns.
In dollars, FEMA expects about $4.3M a year in losses across Florham Park: $3.4M to buildings, the rest to people and crops.
Does Florham Park flood? Rarely: 4 flood claims since 1979
Every paid claim on a federal flood insurance policy in Florham Park, from FEMA’s records: 0.8 per 1,000 homes, fewer than 83% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Floyd1 claim · $258
- Hurricane Irene1 claim · $3K
Florham Park 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.10 federal disasters brought FEMA money to Florham Park
Disasters that paid out in Florham Park itself (aid to households or repair grants to the Borough of Florham Park), newest first, with that year’s flood claims.
- 2021Remnants of Hurricane Ida32 households applied for aid$62K aid approved
- 2021Severe Winter Storm and Snowstorm$104K to the Borough of Florham Park for repairs
- 2020Tropical Storm Isaias$140K to the Borough of Florham Park for repairs
- 2018Severe Winter Storm and Snowstorm$221K to the Borough of Florham Park for repairs
- 2012Hurricane Sandy85 households applied for aid$7K aid approved$425K to the Borough of Florham Park for repairs
- 2011Severe Storm$172K to the Borough of Florham Park for repairs
Show all 10
- 2011Hurricane Irene24 households applied for aid$42K aid approved$101K to the Borough of Florham Park for repairs1 flood claim paid for it, $3K
- 2010Severe Winter Storm and Snowstorm$41K to the Borough of Florham Park for repairs
- 2010Severe Storms and Flooding$14K to the Borough of Florham Park for repairs
- 1999Hurricane Floyd Major Disaster Declarations$17K to the Borough of Florham Park for repairs1 flood claim paid for it, $258
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 Florham Park after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Florham Park archive →Florham Park and its neighbors
Florham Park is 2nd 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 |
|---|---|---|---|
| Madison | A−less damage than 83% | river and rain flooding | 9 |
| Florham Park | B+less damage than 74% | river and rain flooding | 4 |
| Livingston Township | B+less damage than 66% | river and rain flooding | 189 |
| Millburn Township | C+more damage than 64% | river and rain flooding | 303 |
| East Hanover Township | C−more damage than 77% | river and rain flooding | 89 |
| Chatham | C−more damage than 80% | river and rain flooding | 11 |
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 Florham Park 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 Florham Park
Is Florham Park at risk for natural disasters?
On FEMA’s National Risk Index, Florham Park has lower expected damage per building than 74% of U.S. towns: B+ for hazard risk, #84 of 468 in New Jersey. Most of the expected damage is river and rain flooding (82%) and earthquakes (8%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Florham Park flood?
Flood insurance has paid 4 claims in Florham Park since 1979, $69K in all, or 0.8 per 1,000 homes, fewer than 83% of U.S. towns with a flood insurance record. The most claims came from Hurricane Floyd (1).
Is Florham Park 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 Florham Park?
FEMA’s Community Rating System list shows no discount for Florham Park’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 Florham Park?
By FEMA money that reached Florham Park, Hurricane Sandy (2012): 85 households applied for aid, $7K approved, and $425K to the Borough of Florham Park for repairs. By flood claims, Hurricane Floyd: 1 paid, $258.
Is Florham Park at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (82%), and Florham Park’s rate for it is lower than 50% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Florham Park.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Florham Park’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.