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Rural Crop Field in Warren CountyPhoto: RollerFanatic000 · CC BY-SA 4.0
CHazard risk
Natural hazards in Harmony Township · FEMA

FEMA expects more hazard damage per building in Harmony Township than in 73% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Harmony Township gets a C for hazard risk: higher expected damage per building than 73% of U.S. towns, #344 of 468 in New Jersey. Most of that expected damage is river and rain flooding (88%). Flood insurance has paid 321 claims here since 1982.

River and rain flooding 88%Hurricanes 4%Strong wind 3%

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 73%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade#344 of 468 in New Jersey
Hazard risk
C#344 of 468
in New Jersey · higher than 73% of U.S. towns
Main hazard
River and rain flooding
88% of expected building damage
Flood claims
321
paid since 1982 · $14.1M
Flooded more than once
85
properties · 38 “severe repetitive loss”
Disasters paid out here
6
of 19 declared for Warren County

What stands out about Harmony Township’s natural hazards

From FEMA’s model and FEMA’s records, below.

321 paid flood claims since 1982$14.1M in all; 85 properties flooded more than once. More per home than 99% of U.S. towns.Moved out of harm’s way3 flood-prone properties bought out and cleared with FEMA grants.Remembers 200589 flood claims were paid for 2005 alone, the most of any year.
By hazard

What Harmony 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

88%of expected building damage
Well above average · higher than 85% of U.S. census tracts
Recorded about 2 times a year in the area
Smaller shares here
 Hurricanes Strong wind Tornadoes Earthquakes Ice storms Winter storms Lightning Hail Wildfire Cold waves Heat waves Landslides
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts cold waves at 9% of Harmony Township’s expected losses. Cold waves do little damage to buildings (0.0%), so they aren’t part of the grade.

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 Harmony Township’s grade

River and rain flooding is 88% of the building damage FEMA expects in Harmony Township, and Harmony Township’s rate of river and rain flooding damage is higher than 85% of U.S. census tracts. Strong wind adds 3%, at a rate in the top 8% of U.S. census tracts.

Where Harmony Township sits
Harmony Township
Least damageMiddleMost damage

C #344 of 468 in New Jersey; higher expected damage per building than 73% of U.S. towns (21,298).

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

What drives the damage to buildings
River and rain flooding88%Hurricanes4%Strong wind3%Everything else4%

The typical New Jersey town has higher expected damage than 56% of U.S. towns; within the state, Harmony Township has more expected damage per building than 73% of New Jersey towns.

In dollars, FEMA expects about $2.0M a year in losses across Harmony Township: $1.6M to buildings, the rest to people and crops.

Shared tract.All of Harmony Township’s 2,503 residents (2020 census) live in one census tract, which it shares with Harmony CDP (374 residents) and Brainards CDP (194 residents) and Hutchinson CDP (103 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 township’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 Harmony Township flood? Yes: 321 flood claims since 1982

Every paid claim on a federal flood insurance policy in Harmony Township, from FEMA’s records: 302.3 per 1,000 homes, more than 99% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
1982: 1 claim1983: 3 claims1984: 0 claims1985: 0 claims1986: 7 claims1987: 0 claims1988: 0 claims1989: 0 claims1990: 0 claims1991: 0 claims1992: 0 claims1993: 3 claims1994: 0 claims1995: 0 claims1996: 46 claims1997: 0 claims1998: 0 claims1999: 1 claim2000: 0 claims2001: 0 claims2002: 0 claims2003: 0 claims2004: 69 claims2005: 89 claims2006: 88 claims2007: 1 claim2008: 1 claim2009: 0 claims2010: 1 claim2011: 10 claims2012: 0 claims2013: 0 claims2014: 0 claims2015: 0 claims2016: 0 claims2017: 0 claims2018: 0 claims2019: 0 claims2020: 1 claim2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims200420052006
19822026
Biggest named events
  • The Torrential rain7 claims · $147K
  • The Late winter storms2 claims · $28K
  • The April 2007 nor’easter1 claim · $67K
321
paid claims since 1982
$14.1M
paid to owners
85
homes flooded more than once
$44K
average claim
Homes that flooded again and again
Each house = 2 homesFEMA “severe repetitive loss” (38)Flooded 2+ times
of homes in flood zones are insured
of all homes are insured
No community discount

Harmony 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.
What’s been done with FEMA grants
3flood-prone properties bought out and cleared
Disasters

6 federal disasters brought FEMA money to Harmony Township

Disasters that paid out in Harmony Township itself (aid to households or repair grants to Harmony Township), newest first, with that year’s flood claims.

  1. 2023Severe Storm and Flooding$663K to Harmony Township for repairs
  2. 2021Severe Winter Storm and Snowstorm$34K to Harmony Township for repairs
  3. 2016Severe Winter Storm and Snowstorm$19K to Harmony Township for repairs
  4. 2012Hurricane Sandy$22K to Harmony Township for repairs
  5. 2006Severe Storms and Flooding$49K to Harmony Township for repairs88 flood claims paid that year
  6. 2004Severe Storms and Flooding$272K to Harmony Township for repairs69 flood claims paid that year
Disasters declared, by decade
Paid out in Harmony TownshipWarren County only

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.

Were you here?

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

Add to the Harmony Township archive →
Next door

Harmony Township and its neighbors

Harmony Township is 3rd of the 6 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.

Lower Mount Bethel Township: hazard risk DLopatcong Township: hazard risk C−Forks Township: hazard risk C+Hutchinson: not gradedWhite Township: hazard risk DFranklin Township: hazard risk B−Lower Mount Bethel TownshipLopatcong TownshipForks TownshipHutchinsonWhite TownshipFranklin TownshipHarmony Township
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
Franklin TownshipB−less damage than 53%river and rain flooding10
Forks TownshipC+more damage than 65%river and rain flooding162
Harmony TownshipCmore damage than 73%river and rain flooding321
Lopatcong TownshipC−more damage than 81%river and rain flooding12
White TownshipDmore damage than 85%river and rain flooding49
Lower Mount Bethel TownshipDmore damage than 86%river and rain flooding228
Hutchinson—114 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.

Be ready

Get ready for what Harmony 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.

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 Harmony Township

Is Harmony Township at risk for natural disasters?

On FEMA’s National Risk Index, Harmony Township has higher expected damage per building than 73% of U.S. towns: C for hazard risk, #344 of 468 in New Jersey. Most of the expected damage is river and rain flooding (88%). 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 Harmony Township flood?

Flood insurance has paid 321 claims in Harmony Township since 1982, $14.1M in all, or 302.3 per 1,000 homes, more than 99% of U.S. towns with a flood insurance record. 85 properties have flooded more than once. The most claims came from Torrential rain (7).

Is Harmony 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 Harmony Township?

FEMA’s Community Rating System list shows no discount for Harmony 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 Harmony Township?

By FEMA money that reached Harmony Township, Severe Storm and Flooding (2023): $663K to Harmony Township for repairs. By flood claims, Torrential rain: 7 paid, $147K.

Is Harmony Township at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (88%), and Harmony Township’s rate for it is higher than 85% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Harmony Township.

Town Square →
Start the conversation

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