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BRIDGET SMITH HOUSE, MINE HILL, MORRIS COUNTYPhoto: Jerrye & Roy Klotz, MD · CC BY-SA 3.0
A−Hazard risk
Natural hazards in Mine Hill Township · FEMA

FEMA expects less hazard damage per building in Mine Hill Township than in 83% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Mine Hill Township gets an A− for hazard risk: lower expected damage per building than 83% of U.S. towns, #50 of 468 in New Jersey. Most of that expected damage is river and rain flooding (83%). Flood insurance has paid 4 claims here since 1991.

River and rain flooding 83%Earthquakes 6%Hurricanes 6%

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 83%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade#50 of 468 in New Jersey
Hazard risk
A−#50 of 468
in New Jersey · lower than 83% of U.S. towns
Main hazard
River and rain flooding
83% of expected building damage
Flood claims
4
paid since 1991 · $215K
Disasters paid out here
10
of 25 declared for Morris County
By hazard

What Mine 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

83%of expected building damage
Below average · lower than 60% of U.S. census tracts
Recorded about 4 times a year in the area

Earthquakes

6%of expected building damage
Above average · higher than 62% of U.S. census tracts

Hurricanes

6%of expected building damage
Above average · higher than 67% of U.S. census tracts
Recorded about once every 10 years in the area
Smaller shares here
 Tornadoes Strong wind Winter storms Hail Lightning Wildfire Ice storms 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 15% of Mine Hill 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 Mine Hill Township’s grade

River and rain flooding is 83% of the building damage FEMA expects in Mine Hill Township, and Mine Hill Township’s rate of river and rain flooding damage is lower than 60% of U.S. census tracts. Next is earthquakes at 6% (higher than 62% of U.S. census tracts).

Where Mine Hill Township sits
Mine Hill Township
Least damageMiddleMost damage

A− #50 of 468 in New Jersey; lower expected damage per building than 83% of U.S. towns (21,298).

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

What drives the damage to buildings
River and rain flooding83%Earthquakes6%Hurricanes6%Everything else4%

The typical New Jersey town has higher expected damage than 56% of U.S. towns; within the state, Mine Hill Township has less expected damage per building than 90% of New Jersey towns.

In dollars, FEMA expects about $776K a year in losses across Mine Hill Township: $519K to buildings, the rest to people and crops.

Shared tract.All of Mine Hill Township’s 4,015 residents (2020 census) live in one census tract. FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s. 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 Mine Hill Township flood? Rarely: 4 flood claims since 1991

Every paid claim on a federal flood insurance policy in Mine Hill Township, from FEMA’s records: 2.6 per 1,000 homes, fewer than 56% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
1991: 1 claim1992: 1 claim1993: 0 claims1994: 0 claims1995: 0 claims1996: 0 claims1997: 0 claims1998: 0 claims1999: 0 claims2000: 0 claims2001: 0 claims2002: 0 claims2003: 0 claims2004: 0 claims2005: 0 claims2006: 0 claims2007: 0 claims2008: 0 claims2009: 0 claims2010: 0 claims2011: 0 claims2012: 2 claims2013: 0 claims2014: 0 claims2015: 0 claims2016: 0 claims2017: 0 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims199119922012
19912026
Biggest named events
  • Hurricane Sandy2 claims · $208K
  • The “Halloween” storm1 claim · $952
  • The December Storm - nor’easter1 claim · $7K
4
paid claims since 1991
$215K
paid to owners
0
homes flooded more than once
$54K
average claim
of all homes are insured
No community discount

Mine Hill 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: Morris County.
Disasters

10 federal disasters brought FEMA money to Mine Hill Township

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

  1. 2021Remnants of Hurricane Ida16 households applied for aid$32K aid approved
  2. 2020Tropical Storm Isaias$13K to Mine Hill Township for repairs
  3. 2018Severe Winter Storm and Snowstorm$19K to Mine Hill Township for repairs
  4. 2016Severe Winter Storm and Snowstorm$19K to Mine Hill Township for repairs
  5. 2012Hurricane Sandy54 households applied for aid$2K aid approved$30K to Mine Hill Township for repairs2 flood claims paid for it, $208K
  6. 2011Hurricane Irene34 households applied for aid$83K aid approved$12K to Mine Hill Township for repairs
Show all 10
  1. 2010Severe Winter Storm and Snowstorm$11K to Mine Hill Township for repairs
  2. 2010Severe Storms and Flooding1 households applied for aid$8K aid approved
  3. 2005Severe Storms and Flooding1 households applied for aid$385 aid approved
  4. 1999Hurricane Floyd Major Disaster Declarations$6K to Mine Hill Township for repairs
Disasters declared, by decade
Paid out in Mine Hill TownshipMorris County only

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.

Were you here?

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

Add to the Mine Hill Township archive →
Next door

Mine Hill Township and its neighbors

Mine Hill Township has the lowest expected damage per building of the 5 graded towns here. Tap a town to see its hazards.

Wharton: hazard risk B+Randolph Township: hazard risk B+Roxbury Township: hazard risk A−Kenvil: not gradedSuccasunna: not gradedDover: hazard risk DWhartonRandolph TownshipRoxbury TownshipKenvilSuccasunnaDoverMine Hill Township
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
Mine Hill TownshipA−less damage than 83%river and rain flooding4
Roxbury TownshipA−less damage than 79%river and rain flooding20
Randolph TownshipB+less damage than 74%river and rain flooding22
WhartonB+less damage than 71%river and rain flooding5
DoverDmore damage than 87%river and rain flooding530
Kenvil—a Census area inside a town; graded with the town
Succasunna—a Census area inside a town; graded with the town

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 Mine 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.

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 ↗
Hurricane season
  • 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.
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 Mine Hill Township

Is Mine Hill Township at risk for natural disasters?

On FEMA’s National Risk Index, Mine Hill Township has lower expected damage per building than 83% of U.S. towns: A− for hazard risk, #50 of 468 in New Jersey. Most of the expected damage is river and rain flooding (83%) and earthquakes (6%). 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 Mine Hill Township flood?

Flood insurance has paid 4 claims in Mine Hill Township since 1991, $215K in all, or 2.6 per 1,000 homes, fewer than 56% of U.S. towns with a flood insurance record. The most claims came from Hurricane Sandy (2).

Is Mine 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 Mine Hill Township?

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

By FEMA money that reached Mine Hill Township, Hurricane Irene (2011): 34 households applied for aid, $83K approved, and $12K to Mine Hill Township for repairs. By flood claims, Hurricane Sandy: 2 paid, $208K.

Is Mine Hill Township at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (83%), and Mine Hill Township’s rate for it is lower than 60% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Mine Hill Township.

Town Square →
Start the conversation

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