Photo: JERRYE & ROY KLOTZ MD · CC BY-SA 4.0On FEMA’s figures, Wyckoff Township faces less hazard damage per building than 74% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Wyckoff Township gets a B+ for hazard risk: lower expected damage per building than 74% of U.S. towns, #81 of 468 in New Jersey. Most of that expected damage is river and rain flooding (85%). Flood insurance has paid 27 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 Wyckoff Township’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Wyckoff 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 Wyckoff Township’s grade
River and rain flooding is 85% of the building damage FEMA expects in Wyckoff Township, and Wyckoff Township’s rate of river and rain flooding damage is higher than 50% of U.S. census tracts. Next is earthquakes at 7% (higher than 67% of U.S. census tracts).
B+ #81 of 468 in New Jersey; lower expected damage per building than 74% of U.S. towns (21,298).
Wyckoff Township’s residents live in 4 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, Wyckoff Township has less expected damage per building than 83% of New Jersey towns.
In dollars, FEMA expects about $5.0M a year in losses across Wyckoff Township: $4.4M to buildings, the rest to people and crops.
Does Wyckoff Township flood? Sometimes: 27 flood claims since 1979
Every paid claim on a federal flood insurance policy in Wyckoff Township, from FEMA’s records: 4.3 per 1,000 homes, more than 57% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Ida5 claims · $162K
- Hurricane Floyd4 claims · $100K
- Hurricane Irene3 claims · $33K
Wyckoff 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: Bergen County.10 federal disasters brought FEMA money to Wyckoff Township
Disasters that paid out in Wyckoff Township itself (aid to households or repair grants to Wyckoff Township), newest first, with that year’s flood claims.
- 2021Remnants of Hurricane Ida131 households applied for aid$206K aid approved$57K to Wyckoff Township for repairs5 flood claims paid for it, $162K
- 2020Tropical Storm Isaias$287K to Wyckoff Township for repairs
- 2018Severe Winter Storm and Snowstorm$434K to Wyckoff Township for repairs
- 2016Severe Winter Storm and Snowstorm$59K to Wyckoff Township for repairs
- 2012Hurricane Sandy128 households applied for aid$30K aid approved$393K to Wyckoff Township for repairs
- 2011Severe Storm$110K to Wyckoff Township for repairs
Show all 10
- 2011Hurricane Irene34 households applied for aid$75K aid approved$20K to Wyckoff Township for repairs3 flood claims paid for it, $33K
- 2010Severe Storms and Flooding12 households applied for aid$32K aid approved2 flood claims paid that year
- 2007Severe Storms and Inland and Coastal Flooding36 households applied for aid$42K aid approved
- 1999Hurricane Floyd Major Disaster Declarations$4K to Wyckoff Township for repairs4 flood claims paid for it, $100K
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.
Old photos of Wyckoff Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Wyckoff Township archive →Wyckoff Township and its neighbors
Wyckoff Township has the lowest expected damage per building of the 9 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Wyckoff Township | B+less damage than 74% | river and rain flooding | 27 |
| Franklin Lakes | B+less damage than 73% | river and rain flooding | 18 |
| Midland Park | B+less damage than 72% | river and rain flooding | 16 |
| Allendale | B+less damage than 69% | river and rain flooding | 42 |
| North Haledon | B+less damage than 67% | river and rain flooding | 11 |
| Mahwah Township | Bless damage than 64% | river and rain flooding | 186 |
| Waldwick | B−more damage than 55% | river and rain flooding | 28 |
| Hawthorne | Cmore damage than 74% | river and rain flooding | 241 |
| Ridgewood | C−more damage than 82% | river and rain flooding | 345 |
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 Wyckoff 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 Wyckoff Township
Is Wyckoff Township at risk for natural disasters?
On FEMA’s National Risk Index, Wyckoff Township has lower expected damage per building than 74% of U.S. towns: B+ for hazard risk, #81 of 468 in New Jersey. Most of the expected damage is river and rain flooding (85%) and earthquakes (7%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Wyckoff Township flood?
Flood insurance has paid 27 claims in Wyckoff Township since 1979, $371K in all, or 4.3 per 1,000 homes, more than 57% of U.S. towns with a flood insurance record. 1 properties have flooded more than once. The most claims came from Hurricane Ida (5).
Is Wyckoff 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 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 Wyckoff Township?
FEMA’s Community Rating System list shows no discount for Wyckoff 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 Wyckoff Township?
By FEMA money that reached Wyckoff Township, Severe Winter Storm and Snowstorm (2018): $434K to Wyckoff Township for repairs. By flood claims, Hurricane Ida: 5 paid, $162K.
Is Wyckoff Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (85%), and Wyckoff Township’s rate for it is higher than 50% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Wyckoff Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Wyckoff 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.