Photo: Famartin · CC BY-SA 4.0Less hazard damage per building is expected in Mansfield Township than in 66% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Mansfield Township gets a B+ for hazard risk: lower expected damage per building than 66% of U.S. towns, #122 of 468 in New Jersey. Most of that expected damage is river and rain flooding (80%). Flood insurance has paid 17 claims here since 1989.
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 Mansfield 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
Hurricanes
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 Mansfield Township’s grade
River and rain flooding is 80% of the building damage FEMA expects in Mansfield Township, and Mansfield Township’s rate of river and rain flooding damage is higher than 53% of U.S. census tracts. Strong wind adds 6%, at a rate in the top 8% of U.S. census tracts.
B+ #122 of 468 in New Jersey; lower expected damage per building than 66% of U.S. towns (21,298).
All of Mansfield Township’s residents live in one census tract; the figures are that tract’s.
The typical New Jersey town has higher expected damage than 56% of U.S. towns; within the state, Mansfield Township has less expected damage per building than 74% of New Jersey towns.
In dollars, FEMA expects about $2.9M a year in losses across Mansfield Township: $1.9M to buildings, the rest to people and crops.
Does Mansfield Township flood? Sometimes: 17 flood claims since 1989
Every paid claim on a federal flood insurance policy in Mansfield Township, from FEMA’s records: 5.6 per 1,000 homes, more than 63% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Floyd3 claims · $34K
- Hurricane Irene2 claims · $60K
- Hurricane Isaias1 claim · $5K
Mansfield 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.The storms Mansfield Township remembers
None of the 19 disasters declared for Warren County shows FEMA aid or repair money reaching Mansfield Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 19993 flood claims paidThe year of Hurricane Floyd Emergency Declarations, declared for Warren County
- 19892 flood claims paidNo declaration for the county that year
- 20002 flood claims paidNo declaration for the county that year
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.
Old photos of Mansfield Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Mansfield Township archive →Mansfield Township and its neighbors
Mansfield Township is 4th 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 |
|---|---|---|---|
| Washington Township | A−less damage than 76% | river and rain flooding | 90 |
| Independence Township | B+less damage than 72% | river and rain flooding | 2 |
| Oxford Township | B+less damage than 68% | river and rain flooding | 3 |
| Mansfield Township | B+less damage than 66% | river and rain flooding | 17 |
| Liberty Township | B−less damage than 52% | river and rain flooding | 3 |
| Hackettstown | C+more damage than 57% | river and rain flooding | 22 |
| Lebanon Township | C+more damage than 58% | river and rain flooding | 51 |
| Beattystown | — | a Census area inside a town; graded with the town | |
| Washington Township | — | not graded yet | |
| Anderson | — | 607 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.
Get ready for what Mansfield 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.
- The season runs June through November and peaks from mid-August to mid-October.
- Bring in porch furniture and anything the wind can throw.
- Fill the gas tank and charge phones before the storm arrives.
- 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 Mansfield Township
Is Mansfield Township at risk for natural disasters?
On FEMA’s National Risk Index, Mansfield Township has lower expected damage per building than 66% of U.S. towns: B+ for hazard risk, #122 of 468 in New Jersey. Most of the expected damage is river and rain flooding (80%) and hurricanes (7%). 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 Mansfield Township flood?
Flood insurance has paid 17 claims in Mansfield Township since 1989, $203K in all, or 5.6 per 1,000 homes, more than 63% of U.S. towns with a flood insurance record. The most claims came from Hurricane Floyd (3).
Is Mansfield 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 Mansfield Township?
FEMA’s Community Rating System list shows no discount for Mansfield 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 Mansfield Township?
By flood claims, Hurricane Floyd: 3 paid, $34K.
Is Mansfield Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (80%), and Mansfield Township’s rate for it is higher than 53% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Mansfield Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Mansfield 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.