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GLEN GARDNER PONY PRATT TRUSS BRIDGE, HUNTERDON COUNTY, NJPhoto: JERRYE & ROY KLOTZ MD · CC BY-SA 3.0
C−Hazard risk
Natural hazards in Glen Gardner · FEMA

FEMA puts Glen Gardner’s expected hazard damage per building above that of 80% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Glen Gardner gets a C− for hazard risk: higher expected damage per building than 80% of U.S. towns. Most of that expected damage is river and rain flooding (89%). Flood insurance has paid 6 claims here since 1979.

River and rain flooding 89%Strong wind 5%Tornadoes 2%

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

more than 80%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
C−
in New Jersey · higher than 80% of U.S. towns
Main hazard
River and rain flooding
89% of expected building damage
Flood claims
6
paid since 1979 · $22K
Disasters paid out here
9
of 18 declared for Hunterdon County
By hazard

What Glen Gardner 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

89%of expected building damage
Well above average · higher than 89% of U.S. census tracts
Recorded about 3 times a year in the area
Smaller shares here
 Strong wind top 4% Tornadoes Ice storms Earthquakes Hurricanes Winter storms Lightning Hail Wildfire Cold waves Heat waves Landslides
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity

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.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Hazard risk grade

What’s behind Glen Gardner’s grade

River and rain flooding is 89% of the building damage FEMA expects in Glen Gardner, and Glen Gardner’s rate of river and rain flooding damage is higher than 89% of U.S. census tracts. Strong wind adds 5%, at a rate in the top 4% of U.S. census tracts.

Where Glen Gardner sits
Glen Gardner
Least damageMiddleMost damage

C− higher expected damage per building than 80% of U.S. towns (21,298).

All of Glen Gardner’s residents live in one census tract; the figures are that tract’s.

What drives the damage to buildings
River and rain flooding89%Strong wind5%Everything else6%

In dollars, FEMA expects about $636K a year in losses across Glen Gardner: $523K to buildings, the rest to people and crops.

Shared tract.All of Glen Gardner’s 1,682 residents (2020 census) live in one census tract, which it shares with Hampton borough (1,438 residents). FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s, the same for all of them. The flood claims below are the town’s own.
A shared figure. The grade describes the whole tract, not each street in it, and FEMA’s model is an average year for today’s buildings, not a record: the claims below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Glen Gardner flood? Rarely: 6 flood claims since 1979

Every paid claim on a federal flood insurance policy in Glen Gardner, from FEMA’s records: 7.7 per 1,000 homes, more than 69% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
1979: 1 claim1980: 0 claims1981: 0 claims1982: 0 claims1983: 0 claims1984: 0 claims1985: 0 claims1986: 0 claims1987: 0 claims1988: 0 claims1989: 2 claims1990: 0 claims1991: 0 claims1992: 0 claims1993: 0 claims1994: 0 claims1995: 0 claims1996: 0 claims1997: 0 claims1998: 0 claims1999: 1 claim2000: 0 claims2001: 0 claims2002: 0 claims2003: 0 claims2004: 1 claim2005: 0 claims2006: 0 claims2007: 0 claims2008: 0 claims2009: 0 claims2010: 0 claims2011: 1 claim2012: 0 claims2013: 0 claims2014: 0 claims2015: 0 claims2016: 0 claims2017: 0 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims197919891999
19792026
Biggest named events
  • Hurricane Irene1 claim · $10K
  • Hurricane Floyd1 claim · $2K
6
paid claims since 1979
$22K
paid to owners
0
homes flooded more than once
$4K
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

Glen Gardner isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Hunterdon County.
Disasters

9 federal disasters brought FEMA money to Glen Gardner

Disasters that paid out in Glen Gardner itself (aid to households or repair grants to the Borough of Glen Gardner), newest first, with that year’s flood claims.

  1. 2021Remnants of Hurricane Ida12 households applied for aid$28K aid approved
  2. 2016Severe Winter Storm and Snowstorm$9K to the Borough of Glen Gardner for repairs
  3. 2012Hurricane Sandy51 households applied for aid$41K aid approved$18K to the Borough of Glen Gardner for repairs
  4. 2011Severe Storm$7K to the Borough of Glen Gardner for repairs
  5. 2011Hurricane Irene23 households applied for aid$58K aid approved$7K to the Borough of Glen Gardner for repairs1 flood claim paid for it, $10K
  6. 2006Severe Storms and Flooding1 households applied for aid$100 aid approved
Show all 9
  1. 2005Severe Storms and Flooding1 households applied for aid$847 aid approved
  2. 2004Severe Storms and Flooding2 households applied for aid$9K aid approved$14K to the Borough of Glen Gardner for repairs1 flood claim paid that year
  3. 1999Hurricane Floyd Major Disaster Declarations$3K to the Borough of Glen Gardner for repairs1 flood claim paid for it, $2K
Disasters declared, by decade
Paid out in Glen GardnerHunterdon County only

Hunterdon County has had 18 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.

Were you here?

Old photos of Glen Gardner after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Glen Gardner archive →
Next door

Glen Gardner and its neighbors

Glen Gardner is 4th of the 4 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.

Lebanon Township: hazard risk C+Bethlehem Township: hazard risk BHampton: hazard risk C−Lebanon TownshipBethlehem TownshipHamptonGlen Gardner
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
Bethlehem TownshipBless damage than 60%river and rain flooding5
Lebanon TownshipC+more damage than 58%river and rain flooding51
HamptonC−more damage than 80%river and rain flooding—
Glen GardnerC−more damage than 80%river and rain flooding6

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.

Be ready

Get ready for what Glen Gardner faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

When the river rises
  • 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.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Glen Gardner

Is Glen Gardner at risk for natural disasters?

On FEMA’s National Risk Index, Glen Gardner has higher expected damage per building than 80% of U.S. towns: C− for hazard risk. Most of the expected damage is river and rain flooding (89%). 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 Glen Gardner flood?

Flood insurance has paid 6 claims in Glen Gardner since 1979, $22K in all, or 7.7 per 1,000 homes, more than 69% of U.S. towns with a flood insurance record. The most claims came from Hurricane Irene (1).

Is Glen Gardner 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 Hunterdon County, 66% of homes in mapped flood zones carry federal flood insurance, and 1.5% of all homes do.

How much is flood insurance in Glen Gardner?

FEMA’s Community Rating System list shows no discount for Glen Gardner’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 Glen Gardner?

By FEMA money that reached Glen Gardner, Hurricane Irene (2011): 23 households applied for aid, $58K approved, and $7K to the Borough of Glen Gardner for repairs. By flood claims, Hurricane Irene: 1 paid, $10K.

Is Glen Gardner at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (89%), and Glen Gardner’s rate for it is higher than 89% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Glen Gardner.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Glen Gardner’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.