Photo: Adam Moss · CC BY-SA 2.0Hampton Township’s building-damage rate from strong wind is in the top 1% of U.S. census tracts
On FEMA’s National Risk Index, Hampton Township gets a B for hazard risk: lower expected damage per building than 64% of U.S. towns, #129 of 468 in New Jersey. Most of that expected damage is river and rain flooding (75%), then strong wind (17%). Flood insurance has paid 1 claim 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 Hampton 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 Hampton Township’s grade
River and rain flooding is 75% of the building damage FEMA expects in Hampton Township, and Hampton Township’s rate of river and rain flooding damage is higher than 50% of U.S. census tracts. Strong wind adds 17%, at a rate in the top 1% of U.S. census tracts.
B #129 of 468 in New Jersey; lower expected damage per building than 64% of U.S. towns (21,298).
Hampton Township’s residents live in 2 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, Hampton Township has less expected damage per building than 73% of New Jersey towns.
In dollars, FEMA expects about $2.3M a year in losses across Hampton Township: $1.6M to buildings, the rest to people and crops.
Does Hampton Township flood? Rarely: 1 flood claim since 1979
Every paid claim on a federal flood insurance policy in Hampton Township, from FEMA’s records: 0.5 per 1,000 homes, fewer than 90% of the 13,809 U.S. towns with a flood insurance record.
Hampton 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.5 federal disasters brought FEMA money to Hampton Township
Disasters that paid out in Hampton Township itself (aid to households or repair grants to Hampton Township), newest first, with that year’s flood claims.
- 2012Hurricane Sandy$36K to Hampton Township for repairs
- 2011Severe Storm$26K to Hampton Township for repairs
- 2011Hurricane Irene$50K to Hampton Township for repairs
- 2007Severe Storms and Inland and Coastal Flooding$13K to Hampton Township for repairs
- 2004Severe Storms and Flooding$10K to Hampton 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 Hampton Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Hampton Township archive →Hampton Township and its neighbors
Hampton Township is 3rd 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 |
|---|---|---|---|
| Fredon Township | A−less damage than 80% | river and rain flooding | 1 |
| Andover Township | B+less damage than 68% | river and rain flooding | 1 |
| Hampton Township | Bless damage than 64% | river and rain flooding | 1 |
| Lafayette Township | Bless damage than 64% | river and rain flooding | 5 |
| Stillwater Township | B−more damage than 54% | river and rain flooding | 3 |
| Frankford Township | C+more damage than 57% | river and rain flooding | 6 |
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 Hampton 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 Hampton Township
Is Hampton Township at risk for natural disasters?
On FEMA’s National Risk Index, Hampton Township has lower expected damage per building than 64% of U.S. towns: B for hazard risk, #129 of 468 in New Jersey. Most of the expected damage is river and rain flooding (75%) and strong wind (17%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Hampton Township flood?
Flood insurance has paid 1 claim in Hampton Township since 1979, $1K in all, or 0.5 per 1,000 homes, fewer than 90% of U.S. towns with a flood insurance record.
Is Hampton 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 Hampton Township?
FEMA’s Community Rating System list shows no discount for Hampton 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 Hampton Township?
By FEMA money that reached Hampton Township, Hurricane Irene (2011): $50K to Hampton Township for repairs.
Is Hampton Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (75%), and Hampton Township’s rate for it is higher than 50% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Hampton Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Hampton 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.