Photo: Jerrye & Roy Klotz, MD · CC BY-SA 3.0On FEMA’s figures, Long Hill Township faces more hazard damage per building than 83% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Long Hill Township gets a C− for hazard risk: higher expected damage per building than 83% of U.S. towns, #395 of 468 in New Jersey. Most of that expected damage is river and rain flooding (93%). Flood insurance has paid 150 claims here since 1978.
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 stands out about Long Hill Township’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Long Hill 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
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 Long Hill Township’s grade
River and rain flooding is 93% of the building damage FEMA expects in Long Hill Township, and Long Hill Township’s rate of river and rain flooding damage is in the top 8% of U.S. census tracts.
C− #395 of 468 in New Jersey; higher expected damage per building than 83% of U.S. towns (21,298).
Long Hill 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, Long Hill Township has more expected damage per building than 84% of New Jersey towns.
In dollars, FEMA expects about $5.5M a year in losses across Long Hill Township: $4.9M to buildings, the rest to people and crops.
Does Long Hill Township flood? Yes: 150 flood claims since 1978
Every paid claim on a federal flood insurance policy in Long Hill Township, from FEMA’s records: 50.9 per 1,000 homes, more than 93% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Irene38 claims · $1.3M
- The March 2010 nor’easter24 claims · $804K
- Hurricane Ida23 claims · $821K
Long Hill Township is in FEMA’s Community Rating System (class 7) for its flood-proofing work.
Insurance rates: Morris County.11 federal disasters brought FEMA money to Long Hill Township
Disasters that paid out in Long Hill Township itself (aid to households or repair grants to Long Hill Township), newest first, with that year’s flood claims.
- 2021Remnants of Hurricane Ida$302K to Long Hill Township for repairs23 flood claims paid for it, $821K
- 2021Severe Winter Storm and Snowstorm$84K to Long Hill Township for repairs
- 2020Tropical Storm Isaias$123K to Long Hill Township for repairs1 flood claim paid that year
- 2018Severe Winter Storm and Snowstorm$241K to Long Hill Township for repairs
- 2016Severe Winter Storm and Snowstorm$47K to Long Hill Township for repairs
- 2012Hurricane Sandy$594K to Long Hill Township for repairs
Show all 11
- 2011Severe Storm$134K to Long Hill Township for repairs
- 2011Hurricane Irene$73K to Long Hill Township for repairs38 flood claims paid for it, $1.3M
- 2010Severe Winter Storm and Snowstorm$32K to Long Hill Township for repairs
- 2010Severe Storms and Flooding$14K to Long Hill Township for repairs
- 1999Hurricane Floyd Major Disaster Declarations$42K to Long Hill Township for repairs17 flood claims paid for it, $211K
Morris County has had 25 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 Long Hill Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Long Hill Township archive →Long Hill Township and its neighbors
Long Hill Township is 5th of the 5 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 |
|---|---|---|---|
| Warren Township | B−less damage than 50% | river and rain flooding | 40 |
| Bernards Township | B−more damage than 50% | river and rain flooding | 69 |
| Harding Township | C+more damage than 57% | river and rain flooding | 18 |
| Berkeley Heights Township | C+more damage than 62% | river and rain flooding | 67 |
| Long Hill Township | C−more damage than 83% | river and rain flooding | 150 |
| Millington | — | a Census area inside a town; graded with the town | |
| Gillette | — | a Census area inside a town; graded with the town | |
| Lyons | — | a Census area inside a town; graded with the town | |
| Stirling | — | a Census area inside a town; graded with the town | |
| Chatham Township | — | not graded yet | |
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 Long Hill 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.
- 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.
- Long Hill Township residents get 15% off flood insurance.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Long Hill Township
Is Long Hill Township at risk for natural disasters?
On FEMA’s National Risk Index, Long Hill Township has higher expected damage per building than 83% of U.S. towns: C− for hazard risk, #395 of 468 in New Jersey. Most of the expected damage is river and rain flooding (93%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Long Hill Township flood?
Flood insurance has paid 150 claims in Long Hill Township since 1978, $3.6M in all, or 50.9 per 1,000 homes, more than 93% of U.S. towns with a flood insurance record. 25 properties have flooded more than once. The most claims came from Hurricane Irene (38).
Is Long Hill 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 Morris County, 1.4% of all homes carry federal flood insurance.
How much is flood insurance in Long Hill Township?
Long Hill Township is in FEMA’s Community Rating System (class 7), which takes 15% off federal flood insurance policies for its flood-proofing work. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Long Hill Township?
By FEMA money that reached Long Hill Township, Hurricane Sandy (2012): $594K to Long Hill Township for repairs. By flood claims, Hurricane Irene: 38 paid, $1.3M.
Is Long Hill Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (93%), and Long Hill Township’s rate for it is in the top 8% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Long Hill Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Long Hill 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.