Photo: Nicholas A. Tonelli · CC BY 2.0Less hazard damage per building is expected in Frelinghuysen Township than in 80% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Frelinghuysen Township gets an A− for hazard risk: lower expected damage per building than 80% of U.S. towns. Most of that expected damage is river and rain flooding (76%). Flood insurance has paid 2 claims 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 Frelinghuysen 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
Hurricanes
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 Frelinghuysen Township’s grade
River and rain flooding is 76% of the building damage FEMA expects in Frelinghuysen Township, and Frelinghuysen Township’s rate of river and rain flooding damage is lower than 64% of U.S. census tracts. Strong wind adds 7%, at a rate in the top 8% of U.S. census tracts.
A− lower expected damage per building than 80% of U.S. towns (21,298).
All of Frelinghuysen Township’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $900K a year in losses across Frelinghuysen Township: $631K to buildings, the rest to people and crops.
Does Frelinghuysen Township flood? Rarely: 2 flood claims since 2011
Every paid claim on a federal flood insurance policy in Frelinghuysen Township, from FEMA’s records: 2.3 per 1,000 homes, fewer than 58% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Irene1 claim · $9K
Frelinghuysen 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: Warren County.7 federal disasters brought FEMA money to Frelinghuysen Township
Disasters that paid out in Frelinghuysen Township itself (aid to households or repair grants to Frelinghuysen Township), newest first, with that year’s flood claims.
- 2021Severe Winter Storm and Snowstorm$18K to Frelinghuysen Township for repairs
- 2016Severe Winter Storm and Snowstorm$20K to Frelinghuysen Township for repairs
- 2012Hurricane Sandy$37K to Frelinghuysen Township for repairs
- 2011Severe Storm$8K to Frelinghuysen Township for repairs
- 2011Remnants of Tropical Storm Lee$14K to Frelinghuysen Township for repairs
- 2011Hurricane Irene$13K to Frelinghuysen Township for repairs1 flood claim paid for it, $9K
Show all 7
- 2004Severe Storms and Flooding$16K to Frelinghuysen Township for repairs
Warren County has had 19 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 Frelinghuysen Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Frelinghuysen Township archive →Frelinghuysen Township and its neighbors
Frelinghuysen Township has the lowest expected damage per building of the 8 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Frelinghuysen Township | A−less damage than 80% | river and rain flooding | 2 |
| Hardwick Township | A−less damage than 80% | river and rain flooding | — |
| Independence Township | B+less damage than 72% | river and rain flooding | 2 |
| Allamuchy Township | B+less damage than 68% | river and rain flooding | 1 |
| Green Township | Bless damage than 56% | river and rain flooding | 2 |
| Hope Township | B−less damage than 52% | river and rain flooding | 17 |
| Stillwater Township | B−more damage than 54% | river and rain flooding | 3 |
| Blairstown Township | C+more damage than 62% | river and rain flooding | 68 |
| Marksboro | — | 193 residents; we grade 1,000+ | |
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 Frelinghuysen 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.
- 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.
- 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 Frelinghuysen Township
Is Frelinghuysen Township at risk for natural disasters?
On FEMA’s National Risk Index, Frelinghuysen Township has lower expected damage per building than 80% of U.S. towns: A− for hazard risk. Most of the expected damage is river and rain flooding (76%) and hurricanes (9%). 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 Frelinghuysen Township flood?
Flood insurance has paid 2 claims in Frelinghuysen Township since 2011, $43K in all, or 2.3 per 1,000 homes, fewer than 58% of U.S. towns with a flood insurance record. The most claims came from Hurricane Irene (1).
Is Frelinghuysen 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 Warren County, 47% of homes in mapped flood zones carry federal flood insurance, and 1.1% of all homes do.
How much is flood insurance in Frelinghuysen Township?
FEMA’s Community Rating System list shows no discount for Frelinghuysen 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 Frelinghuysen Township?
By FEMA money that reached Frelinghuysen Township, Hurricane Sandy (2012): $37K to Frelinghuysen Township for repairs. By flood claims, Hurricane Irene: 1 paid, $9K.
Is Frelinghuysen Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (76%), and Frelinghuysen Township’s rate for it is lower than 64% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Frelinghuysen Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Frelinghuysen 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.