Photo: JERRYE & ROY KLOTZ, M.D. · CC BY-SA 4.0FEMA puts Lyndhurst Township’s expected hazard damage per building above that of 85% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Lyndhurst Township gets a C− for hazard risk: higher expected damage per building than 85% of U.S. towns, #404 of 468 in New Jersey. Most of that expected damage is river and rain flooding (86%). Flood insurance has paid 452 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 Lyndhurst Township’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Lyndhurst 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 Lyndhurst Township’s grade
River and rain flooding is 86% of the building damage FEMA expects in Lyndhurst Township, and Lyndhurst Township’s rate of river and rain flooding damage is in the top 8% of U.S. census tracts. Coastal flooding adds 5%, at a rate in the top 3% of U.S. census tracts.
C− #404 of 468 in New Jersey; higher expected damage per building than 85% of U.S. towns (21,298).
Lyndhurst Township’s residents live in 4 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, Lyndhurst Township has more expected damage per building than 86% of New Jersey towns.
In dollars, FEMA expects about $8.5M a year in losses across Lyndhurst Township: $7.5M to buildings, the rest to people and crops.
Does Lyndhurst Township flood? Yes: 452 flood claims since 1978
Every paid claim on a federal flood insurance policy in Lyndhurst Township, from FEMA’s records: 46.6 per 1,000 homes, more than 92% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Sandy135 claims · $6.1M
- Hurricane Irene111 claims · $3.3M
- Hurricane Ida85 claims · $2.1M
Lyndhurst 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: Bergen County.10 federal disasters brought FEMA money to Lyndhurst Township
Disasters that paid out in Lyndhurst Township itself (aid to households or repair grants to Lyndhurst Township), newest first, with that year’s flood claims.
- 2021Remnants of Hurricane Ida429 households applied for aid$1.0M aid approved$325K to Lyndhurst Township for repairs85 flood claims paid for it, $2.1M
- 2020Tropical Storm Isaias$28K to Lyndhurst Township for repairs
- 2018Severe Winter Storm and Snowstorm$33K to Lyndhurst Township for repairs
- 2012Hurricane Sandy300 households applied for aid$561K aid approved$529K to Lyndhurst Township for repairs135 flood claims paid for it, $6.1M
- 2011Severe Storm$51K to Lyndhurst Township for repairs
- 2011Hurricane Irene308 households applied for aid$814K aid approved$378K to Lyndhurst Township for repairs111 flood claims paid for it, $3.3M
Show all 10
- 2010Severe Winter Storm and Snowstorm$47K to Lyndhurst Township for repairs
- 2010Severe Storms and Flooding6 households applied for aid$784 aid approved$42K to Lyndhurst Township for repairs
- 2007Severe Storms and Inland and Coastal Flooding125 households applied for aid$178K aid approved$100K to Lyndhurst Township for repairs54 flood claims paid that year
- 1999Hurricane Floyd Major Disaster Declarations$36K to Lyndhurst Township for repairs46 flood claims paid for it, $441K
Bergen County has had 23 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 Lyndhurst Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Lyndhurst Township archive →Lyndhurst Township and its neighbors
Lyndhurst Township is 7th of the 7 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 |
|---|---|---|---|
| North Arlington | Cmore damage than 72% | river and rain flooding | 47 |
| Secaucus | C−more damage than 78% | river and rain flooding | 62 |
| Kearny | C−more damage than 81% | river and rain flooding | 249 |
| Nutley Township | C−more damage than 81% | river and rain flooding | 251 |
| Rutherford | C−more damage than 83% | river and rain flooding | 237 |
| Belleville Township | C−more damage than 84% | river and rain flooding | 217 |
| Lyndhurst Township | C−more damage than 85% | river and rain flooding | 452 |
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 Lyndhurst 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.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Lyndhurst Township
Is Lyndhurst Township at risk for natural disasters?
On FEMA’s National Risk Index, Lyndhurst Township has higher expected damage per building than 85% of U.S. towns: C− for hazard risk, #404 of 468 in New Jersey. Most of the expected damage is river and rain flooding (86%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Lyndhurst Township flood?
Flood insurance has paid 452 claims in Lyndhurst Township since 1978, $13.0M in all, or 46.6 per 1,000 homes, more than 92% of U.S. towns with a flood insurance record. 116 properties have flooded more than once. The most claims came from Hurricane Sandy (135).
Is Lyndhurst 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 Bergen County, 41% of homes in mapped flood zones carry federal flood insurance, and 2.2% of all homes do.
How much is flood insurance in Lyndhurst Township?
FEMA’s Community Rating System list shows no discount for Lyndhurst 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 Lyndhurst Township?
By FEMA money that reached Lyndhurst Township, Remnants of Hurricane Ida (2021): 429 households applied for aid, $1.0M approved, and $325K to Lyndhurst Township for repairs. By flood claims, Hurricane Sandy: 135 paid, $6.1M.
Is Lyndhurst Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (86%), and Lyndhurst Township’s rate for it is in the top 8% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Lyndhurst Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Lyndhurst 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.