Photo: Doug Kerr · CC BY-SA 2.0Storms, floods and disasters in Delaware Water Gap
Delaware Water Gap isn’t graded for hazard risk: Delaware Water Gap has 738 residents; we grade towns of 1,000 or more. Flood insurance has paid 13 claims here since 1996.
What Delaware Water Gap 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
Hurricanes
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.
Does Delaware Water Gap flood? Sometimes: 13 flood claims since 1996
Every paid claim on a federal flood insurance policy in Delaware Water Gap, from FEMA’s records.
- Tropical Storm Ivan2 claims · $1.0M
Delaware Water Gap isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Monroe County.4 federal disasters brought FEMA money to Delaware Water Gap
Disasters that paid out in Delaware Water Gap itself (aid to households or repair grants to the Borough of Delaware Water Gap), newest first, with that year’s flood claims.
- 2011Hurricane Irene2 households applied for aid$510 aid approved
- 2006Severe Storms, Flooding, and Mudslides23 households applied for aid$43K aid approved8 flood claims paid that year
- 2005Severe Storms and Flooding19 households applied for aid$46K aid approved2 flood claims paid that year
- 2004Tropical Depression Ivan9 households applied for aid$8K aid approved2 flood claims paid for it, $1.0M
Monroe County has had 15 natural disasters declared by the President since 1953, most often floods, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Delaware Water Gap after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Delaware Water Gap archive →Delaware Water Gap and its neighbors
How expected damage per building compares across the town line. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Hardwick Township | A−less damage than 80% | river and rain flooding | — |
| Smithfield Township | Bless damage than 61% | river and rain flooding | 162 |
| Upper Mount Bethel Township | B−less damage than 54% | river and rain flooding | 124 |
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 Delaware Water Gap 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.
- 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.
- 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 Delaware Water Gap
Does Delaware Water Gap flood?
Flood insurance has paid 13 claims in Delaware Water Gap since 1996, $2.4M in all. 2 properties have flooded more than once. The most claims came from Tropical Storm Ivan (2).
Is Delaware Water Gap 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 Monroe County, 20% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.
How much is flood insurance in Delaware Water Gap?
FEMA’s Community Rating System list shows no discount for Delaware Water Gap’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 Delaware Water Gap?
By FEMA money that reached Delaware Water Gap, Severe Storms and Flooding (2005): 19 households applied for aid, $46K approved. By flood claims, Tropical Storm Ivan: 2 paid, $1.0M.
Storm stories
Memories, warnings and help from neighbors in Delaware Water Gap.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Delaware Water Gap’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.