Photo: Zeete · CC BY-SA 4.0Tewksbury Township’s building-damage rate from strong wind is in the top 4% of U.S. census tracts
On FEMA’s National Risk Index, Tewksbury Township gets a C+ for hazard risk: higher expected damage per building than 55% of U.S. towns, #233 of 468 in New Jersey. Most of that expected damage is river and rain flooding (84%). Flood insurance has paid 23 claims here since 1979.
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 Tewksbury 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
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 Tewksbury Township’s grade
River and rain flooding is 84% of the building damage FEMA expects in Tewksbury Township, and Tewksbury Township’s rate of river and rain flooding damage is higher than 72% of U.S. census tracts. Strong wind adds 7%, at a rate in the top 4% of U.S. census tracts.
C+ #233 of 468 in New Jersey; higher expected damage per building than 55% of U.S. towns (21,298).
All of Tewksbury 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, Tewksbury Township has less expected damage per building than 50% of New Jersey towns.
In dollars, FEMA expects about $3.9M a year in losses across Tewksbury Township: $3.4M to buildings, the rest to people and crops.
Does Tewksbury Township flood? Sometimes: 23 flood claims since 1979
Every paid claim on a federal flood insurance policy in Tewksbury Township, from FEMA’s records: 9.8 per 1,000 homes, more than 74% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Floyd3 claims · $101K
- Hurricane Ida3 claims · $6K
- Tropical Storm Henri2 claims · $29K
Tewksbury 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: Hunterdon County.8 federal disasters brought FEMA money to Tewksbury Township
Disasters that paid out in Tewksbury Township itself (aid to households or repair grants to Tewksbury Township), newest first, with that year’s flood claims.
- 2021Remnants of Hurricane Ida$32K to Tewksbury Township for repairs3 flood claims paid for it, $6K
- 2016Severe Winter Storm and Snowstorm$39K to Tewksbury Township for repairs
- 2012Hurricane Sandy$2.2M to Tewksbury Township for repairs
- 2011Severe Storm$17K to Tewksbury Township for repairs
- 2011Remnants of Tropical Storm Lee$7K to Tewksbury Township for repairs
- 2011Hurricane Irene$28K to Tewksbury Township for repairs2 flood claims paid for it, $99K
Show all 8
- 2010Severe Storms and Flooding$5K to Tewksbury Township for repairs
- 1999Hurricane Floyd Major Disaster Declarations$19K to Tewksbury Township for repairs3 flood claims paid for it, $101K
Hunterdon County has had 18 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 Tewksbury Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Tewksbury Township archive →Tewksbury Township and its neighbors
Tewksbury Township is 4th of the 8 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 |
| Clinton Township | Bless damage than 61% | river and rain flooding | 26 |
| Chester Township | Bless damage than 58% | river and rain flooding | 3 |
| Tewksbury Township | C+more damage than 55% | river and rain flooding | 23 |
| Califon | C+more damage than 58% | river and rain flooding | 34 |
| Lebanon Township | C+more damage than 58% | river and rain flooding | 51 |
| Bedminster Township | C+more damage than 60% | river and rain flooding | 37 |
| Readington Township | C+more damage than 64% | river and rain flooding | 33 |
| Lamington | — | 362 residents; we grade 1,000+ | |
| Oldwick | — | 462 residents; we grade 1,000+ | |
| Pottersville | — | 245 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 Tewksbury 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.
- 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 Tewksbury Township
Is Tewksbury Township at risk for natural disasters?
On FEMA’s National Risk Index, Tewksbury Township has higher expected damage per building than 55% of U.S. towns: C+ for hazard risk, #233 of 468 in New Jersey. Most of the expected damage is river and rain flooding (84%) and strong wind (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 Tewksbury Township flood?
Flood insurance has paid 23 claims in Tewksbury Township since 1979, $366K in all, or 9.8 per 1,000 homes, more than 74% of U.S. towns with a flood insurance record. 2 properties have flooded more than once. The most claims came from Hurricane Floyd (3).
Is Tewksbury 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 Hunterdon County, 66% of homes in mapped flood zones carry federal flood insurance, and 1.5% of all homes do.
How much is flood insurance in Tewksbury Township?
FEMA’s Community Rating System list shows no discount for Tewksbury 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 Tewksbury Township?
By FEMA money that reached Tewksbury Township, Hurricane Sandy (2012): $2.2M to Tewksbury Township for repairs. By flood claims, Hurricane Floyd: 3 paid, $101K.
Is Tewksbury Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (84%), and Tewksbury Township’s rate for it is higher than 72% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Tewksbury Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Tewksbury 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.