Photo: Zeete · CC BY-SA 4.0FEMA expects about as much hazard damage per building in Warren Township as in the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Warren Township gets a B− for hazard risk: lower expected damage per building than 50% of U.S. towns, #194 of 468 in New Jersey. Most of that expected damage is river and rain flooding (86%). Flood insurance has paid 40 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 stands out about Warren Township’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Warren 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 Warren Township’s grade
River and rain flooding is 86% of the building damage FEMA expects in Warren Township, and Warren Township’s rate of river and rain flooding damage is higher than 69% of U.S. census tracts.
B− #194 of 468 in New Jersey; lower expected damage per building than 50% of U.S. towns (21,298).
Warren Township’s residents live in 3 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, Warren Township has less expected damage per building than 59% of New Jersey towns.
In dollars, FEMA expects about $8.8M a year in losses across Warren Township: $7.7M to buildings, the rest to people and crops.
Does Warren Township flood? Sometimes: 40 flood claims since 1979
Every paid claim on a federal flood insurance policy in Warren Township, from FEMA’s records: 7.2 per 1,000 homes, more than 68% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Floyd8 claims · $124K
- Hurricane Ida6 claims · $145K
- Hurricane Irene4 claims · $61K
Warren Township is in FEMA’s Community Rating System (class 8) for its flood-proofing work.
Insurance rates: Somerset County.9 federal disasters brought FEMA money to Warren Township
Disasters that paid out in Warren Township itself (aid to households or repair grants to Warren Township), newest first, with that year’s flood claims.
- 2021Remnants of Hurricane Ida238 households applied for aid$544K aid approved$127K to Warren Township for repairs6 flood claims paid for it, $145K
- 2018Severe Winter Storm and Snowstorm$257K to Warren Township for repairs
- 2016Severe Winter Storm and Snowstorm$86K to Warren Township for repairs
- 2012Hurricane Sandy348 households applied for aid$62K aid approved$450K to Warren Township for repairs
- 2011Hurricane Irene100 households applied for aid$201K aid approved4 flood claims paid for it, $61K
- 2010Severe Winter Storm and Snowstorm$48K to Warren Township for repairs
Show all 9
- 2010Severe Storms and Flooding14 households applied for aid$17K aid approved$34K to Warren Township for repairs
- 2007Severe Storms and Inland and Coastal Flooding11 households applied for aid$11K aid approved1 flood claim paid that year
- 1999Hurricane Floyd Major Disaster Declarations$81K to Warren Township for repairs8 flood claims paid for it, $124K
Somerset County has had 22 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 Warren Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Warren Township archive →Warren Township and its neighbors
Warren Township has the lowest expected damage per building of the 7 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Warren Township | B−less damage than 50% | river and rain flooding | 40 |
| Bernards Township | B−more damage than 50% | river and rain flooding | 69 |
| Bridgewater Township | C+more damage than 59% | river and rain flooding | 225 |
| Berkeley Heights Township | C+more damage than 62% | river and rain flooding | 67 |
| Watchung | C−more damage than 83% | river and rain flooding | 24 |
| Long Hill Township | C−more damage than 83% | river and rain flooding | 150 |
| Green Brook Township | C−more damage than 85% | river and rain flooding | 268 |
| Martinsville | — | a Census area inside a town; graded with the town | |
| Gillette | — | a Census area inside a town; graded with the town | |
| Liberty Corner | — | a Census area inside a town; graded with the town | |
| Stirling | — | 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.
Get ready for what Warren 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.
- Warren Township residents get 10% off flood insurance.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Warren Township
Is Warren Township at risk for natural disasters?
On FEMA’s National Risk Index, Warren Township has lower expected damage per building than 50% of U.S. towns: B− for hazard risk, #194 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 Warren Township flood?
Flood insurance has paid 40 claims in Warren Township since 1979, $507K in all, or 7.2 per 1,000 homes, more than 68% of U.S. towns with a flood insurance record. 5 properties have flooded more than once. The most claims came from Hurricane Floyd (8).
Is Warren 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 Somerset County, 53% of homes in mapped flood zones carry federal flood insurance, and 1.4% of all homes do.
How much is flood insurance in Warren Township?
Warren Township is in FEMA’s Community Rating System (class 8), which takes 10% off federal flood insurance policies for its flood-proofing work. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Warren Township?
By FEMA money that reached Warren Township, Remnants of Hurricane Ida (2021): 238 households applied for aid, $544K approved, and $127K to Warren Township for repairs. By flood claims, Hurricane Floyd: 8 paid, $124K.
Is Warren Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (86%), and Warren Township’s rate for it is higher than 69% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Warren Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Warren 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.