Guest, Sign inJoin

Post to Midland Park

We’ll email a one-tap link to publish your post. No password, and nothing is public until you click it.
Already a member? Sign in
WORTENDYKE-DEMUND HOUSE, MIDLAND PARK, BERGEN COUNTYPhoto: JERRYE & ROY KLOTZ MD · CC BY-SA 4.0
B+Hazard risk
Natural hazards in Midland Park · FEMA

Less hazard damage per building is expected in Midland Park than in 72% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Midland Park gets a B+ for hazard risk: lower expected damage per building than 72% of U.S. towns, #89 of 468 in New Jersey. Most of that expected damage is river and rain flooding (86%). Flood insurance has paid 16 claims here since 1984.

River and rain flooding 86%Earthquakes 7%Hurricanes 4%

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

less than 72%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade#89 of 468 in New Jersey
Hazard risk
B+#89 of 468
in New Jersey · lower than 72% of U.S. towns
Main hazard
River and rain flooding
86% of expected building damage
Flood claims
16
paid since 1984 · $237K
Flooded more than once
2
properties · 1 “severe repetitive loss”
Disasters paid out here
11
of 23 declared for Bergen County
By hazard

What Midland Park 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

86%of expected building damage
About average · higher than 52% of U.S. census tracts
Recorded about 6 times a year in the area

Earthquakes

7%of expected building damage
Above average · higher than 68% of U.S. census tracts
Smaller shares here
 Hurricanes Tornadoes Strong wind Winter storms Hail Ice storms Cold waves Heat waves Landslides Lightning
FEMA models no building damage here
Coastal floodingWildfireAvalanchesTsunamisVolcanic activity

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 Midland Park’s grade

River and rain flooding is 86% of the building damage FEMA expects in Midland Park, and Midland Park’s rate of river and rain flooding damage is higher than 52% of U.S. census tracts. Next is earthquakes at 7% (higher than 68% of U.S. census tracts).

Where Midland Park sits
Midland Park
Least damageMiddleMost damage

B+ #89 of 468 in New Jersey; lower expected damage per building than 72% of U.S. towns (21,298).

Midland Park’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.

What drives the damage to buildings
River and rain flooding86%Earthquakes7%Hurricanes4%Everything else3%

The typical New Jersey town has higher expected damage than 56% of U.S. towns; within the state, Midland Park has less expected damage per building than 81% of New Jersey towns.

In dollars, FEMA expects about $1.8M a year in losses across Midland Park: $1.5M to buildings, the rest to people and crops.

A small-area figure. Midland Park covers 2 census tracts, combined by where residents live. FEMA’s model is an average year for today’s buildings, not a record: the claims and disasters below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Midland Park flood? Sometimes: 16 flood claims since 1984

Every paid claim on a federal flood insurance policy in Midland Park, from FEMA’s records: 5.3 per 1,000 homes, more than 61% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
1984: 1 claim1985: 0 claims1986: 1 claim1987: 0 claims1988: 0 claims1989: 0 claims1990: 0 claims1991: 0 claims1992: 0 claims1993: 0 claims1994: 0 claims1995: 0 claims1996: 0 claims1997: 0 claims1998: 0 claims1999: 5 claims2000: 0 claims2001: 0 claims2002: 0 claims2003: 0 claims2004: 0 claims2005: 0 claims2006: 0 claims2007: 0 claims2008: 0 claims2009: 0 claims2010: 0 claims2011: 4 claims2012: 0 claims2013: 2 claims2014: 0 claims2015: 0 claims2016: 0 claims2017: 0 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 2 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 1 claim2026: 0 claims199920112013
19842026
Biggest named events
  • Hurricane Floyd5 claims · $98K
  • Hurricane Irene3 claims · $22K
  • Hurricane Ida2 claims · $67K
16
paid claims since 1984
$237K
paid to owners
2
homes flooded more than once
$15K
average claim
Homes that flooded again and again
FEMA “severe repetitive loss” (1)Flooded 2+ times
of homes in flood zones are insured
of all homes are insured
No community discount

Midland Park 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.
Disasters

11 federal disasters brought FEMA money to Midland Park

Disasters that paid out in Midland Park itself (aid to households or repair grants to the Borough of Midland Park), newest first, with that year’s flood claims.

  1. 2021Remnants of Hurricane Ida53 households applied for aid$90K aid approved$55K to the Borough of Midland Park for repairs2 flood claims paid for it, $67K
  2. 2020Tropical Storm Isaias$46K to the Borough of Midland Park for repairs
  3. 2018Severe Winter Storm and Snowstorm$56K to the Borough of Midland Park for repairs
  4. 2016Severe Winter Storm and Snowstorm$33K to the Borough of Midland Park for repairs
  5. 2012Hurricane Sandy65 households applied for aid$3K aid approved$60K to the Borough of Midland Park for repairs
  6. 2011Severe Storm$65K to the Borough of Midland Park for repairs
Show all 11
  1. 2011Hurricane Irene14 households applied for aid$13K aid approved$19K to the Borough of Midland Park for repairs3 flood claims paid for it, $22K
  2. 2010Severe Winter Storm and Snowstorm$30K to the Borough of Midland Park for repairs
  3. 2010Severe Storms and Flooding7 households applied for aid$1K aid approved$16K to the Borough of Midland Park for repairs
  4. 2007Severe Storms and Inland and Coastal Flooding23 households applied for aid$14K aid approved$2K to the Borough of Midland Park for repairs
  5. 1999Hurricane Floyd Major Disaster Declarations$7K to the Borough of Midland Park for repairs5 flood claims paid for it, $98K
Disasters declared, by decade
Paid out in Midland ParkBergen County only

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.

Were you here?

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

Add to the Midland Park archive →
Next door

Midland Park and its neighbors

Midland Park is 2nd of the 4 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.

Wyckoff Township: hazard risk B+Ridgewood: hazard risk C−Waldwick: hazard risk B−Wyckoff TownshipRidgewoodWaldwickMidland Park
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
Wyckoff TownshipB+less damage than 74%river and rain flooding27
Midland ParkB+less damage than 72%river and rain flooding16
WaldwickB−more damage than 55%river and rain flooding28
RidgewoodC−more damage than 82%river and rain flooding345

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 Midland Park 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 ↗
Earthquakes
  • Drop, cover and hold on.
  • Strap tall furniture and the water heater to the wall.
  • Know how to shut off the gas.
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 Midland Park

Is Midland Park at risk for natural disasters?

On FEMA’s National Risk Index, Midland Park has lower expected damage per building than 72% of U.S. towns: B+ for hazard risk, #89 of 468 in New Jersey. Most of the expected damage is river and rain flooding (86%) and earthquakes (7%). This is FEMA’s model of an average year for today’s buildings, not a forecast.

Does Midland Park flood?

Flood insurance has paid 16 claims in Midland Park since 1984, $237K in all, or 5.3 per 1,000 homes, more than 61% of U.S. towns with a flood insurance record. 2 properties have flooded more than once. The most claims came from Hurricane Floyd (5).

Is Midland Park 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 Midland Park?

FEMA’s Community Rating System list shows no discount for Midland Park’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 Midland Park?

By FEMA money that reached Midland Park, Remnants of Hurricane Ida (2021): 53 households applied for aid, $90K approved, and $55K to the Borough of Midland Park for repairs. By flood claims, Hurricane Floyd: 5 paid, $98K.

Is Midland Park at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (86%), and Midland Park’s rate for it is higher than 52% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Midland Park.

Town Square →
Start the conversation

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