Photo: Mr. Matté (if there is an issue with this image, contact me using this image's Commons talk page, my Commons user talk page, or my English Wikipedia user talk page; I'll know about it a lot faster) · CC BY-SA 4.0More hazard damage per building is expected in Winfield Township than in 67% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Winfield Township gets a C for hazard risk: higher expected damage per building than 67% of U.S. towns. Most of that expected damage is river and rain flooding (88%). FEMA’s files show no paid flood insurance claims here.
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 Winfield 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
Earthquakes
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 Winfield Township’s grade
River and rain flooding is 88% of the building damage FEMA expects in Winfield Township, and Winfield Township’s rate of river and rain flooding damage is higher than 81% of U.S. census tracts. Next is earthquakes at 6% (higher than 72% of U.S. census tracts).
C higher expected damage per building than 67% of U.S. towns (21,298).
All of Winfield Township’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $242K a year in losses across Winfield Township: $178K to buildings, the rest to people and crops.
Does Winfield Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Winfield Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Winfield 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: Union County.4 federal disasters brought FEMA money to Winfield Township
Disasters that paid out in Winfield Township itself (aid to households or repair grants to Winfield Township), newest first, with that year’s flood claims.
- 2016Severe Winter Storm and Snowstorm$4K to Winfield Township for repairs
- 2012Hurricane Sandy$10K to Winfield Township for repairs
- 2011Hurricane Irene2 households applied for aid$5K to Winfield Township for repairs
- 2010Severe Winter Storm and Snowstorm$2K to Winfield Township for repairs
Union County has had 21 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 Winfield Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Winfield Township archive →Winfield Township and its neighbors
Winfield Township is 4th of the 4 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 |
|---|---|---|---|
| Linden | A−less damage than 80% | river and rain flooding | 299 |
| Clark Township | B−more damage than 51% | river and rain flooding | 114 |
| Cranford Township | C+more damage than 58% | river and rain flooding | 1,484 |
| Winfield Township | Cmore damage than 67% | river and rain flooding | 0 |
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 Winfield 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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 Winfield Township
Is Winfield Township at risk for natural disasters?
On FEMA’s National Risk Index, Winfield Township has higher expected damage per building than 67% of U.S. towns: C for hazard risk. Most of the expected damage is river and rain flooding (88%) 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.
Is Winfield 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 Union County, 49% of homes in mapped flood zones carry federal flood insurance, and 2.9% of all homes do.
How much is flood insurance in Winfield Township?
FEMA’s Community Rating System list shows no discount for Winfield 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 Winfield Township?
By FEMA money that reached Winfield Township, Hurricane Sandy (2012): $10K to Winfield Township for repairs.
Is Winfield Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (88%), and Winfield Township’s rate for it is higher than 81% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Winfield Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Winfield 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.