Photo: Nicholas A. Tonelli from Pennsylvania, USA · CC BY 2.0FEMA expects less hazard damage per building in Fredon Township than in 80% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Fredon Township gets an A− for hazard risk: lower expected damage per building than 80% of U.S. towns, #62 of 468 in New Jersey. Most of that expected damage is river and rain flooding (63%), then strong wind (26%). Flood insurance has paid 1 claim here since 2011.
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 Fredon Township 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 Fredon Township’s grade
River and rain flooding is 63% of the building damage FEMA expects in Fredon Township, and Fredon Township’s rate of river and rain flooding damage is lower than 76% of U.S. census tracts. Strong wind adds 26%, at a rate in the top 1% of U.S. census tracts.
A− #62 of 468 in New Jersey; lower expected damage per building than 80% of U.S. towns (21,298).
All of Fredon Township’s residents live in one census tract; the figures are that tract’s.
The typical New Jersey town has higher expected damage than 56% of U.S. towns; within the state, Fredon Township has less expected damage per building than 87% of New Jersey towns.
In dollars, FEMA expects about $1.4M a year in losses across Fredon Township: $867K to buildings, the rest to people and crops.
Does Fredon Township flood? Rarely: 1 flood claim since 2011
Every paid claim on a federal flood insurance policy in Fredon Township, 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.
Fredon Township isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Sussex County.7 federal disasters brought FEMA money to Fredon Township
Disasters that paid out in Fredon Township itself (aid to households or repair grants to Fredon Township), newest first, with that year’s flood claims.
- 2021Severe Winter Storm and Snowstorm$21K to Fredon Township for repairs
- 2012Hurricane Sandy$43K to Fredon Township for repairs
- 2011Severe Storm$44K to Fredon Township for repairs
- 2011Remnants of Tropical Storm Lee$24K to Fredon Township for repairs
- 2011Hurricane Irene3 households applied for aid$6K aid approved$8K to Fredon Township for repairs
- 2007Severe Storms and Inland and Coastal Flooding$5K to Fredon Township for repairs
Show all 7
- 2004Severe Storms and Flooding1 households applied for aid$7K aid approved$23K to Fredon Township for repairs
Sussex County has had 20 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 Fredon Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Fredon Township archive →Fredon Township and its neighbors
Fredon Township has the lowest expected damage per building of the 6 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Fredon Township | A−less damage than 80% | river and rain flooding | 1 |
| Newton | B+less damage than 70% | river and rain flooding | 5 |
| Andover Township | B+less damage than 68% | river and rain flooding | 1 |
| Hampton Township | Bless damage than 64% | river and rain flooding | 1 |
| Green Township | Bless damage than 56% | river and rain flooding | 2 |
| Stillwater Township | B−more damage than 54% | river and rain flooding | 3 |
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 Fredon Township 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 Fredon Township
Is Fredon Township at risk for natural disasters?
On FEMA’s National Risk Index, Fredon Township has lower expected damage per building than 80% of U.S. towns: A− for hazard risk, #62 of 468 in New Jersey. Most of the expected damage is river and rain flooding (63%) and strong wind (26%). 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 Fredon Township flood?
Flood insurance has paid 1 claim in Fredon Township since 2011, $7K in all, or 0.8 per 1,000 homes, fewer than 83% of U.S. towns with a flood insurance record.
Is Fredon Township 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 Sussex County, 36% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.
How much is flood insurance in Fredon Township?
FEMA’s Community Rating System list shows no discount for Fredon Township’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 Fredon Township?
By FEMA money that reached Fredon Township, Severe Storm (2011): $44K to Fredon Township for repairs.
Is Fredon Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (63%), and Fredon Township’s rate for it is lower than 76% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Fredon Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Fredon Township’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.