Photo: Ruhrfisch · CC BY-SA 4.0FEMA expects about as much hazard damage per building in Flemington as in the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Flemington gets a B− for hazard risk: lower expected damage per building than 53% of U.S. towns. Most of that expected damage is river and rain flooding (92%). Flood insurance has paid 3 claims here since 1984.
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 Flemington 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 Flemington’s grade
River and rain flooding is 92% of the building damage FEMA expects in Flemington, and Flemington’s rate of river and rain flooding damage is higher than 72% of U.S. census tracts.
B− lower expected damage per building than 53% of U.S. towns (21,298).
All of Flemington’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $321K a year in losses across Flemington: $243K to buildings, the rest to people and crops.
Does Flemington flood? Rarely: 3 flood claims since 1984
Every paid claim on a federal flood insurance policy in Flemington, from FEMA’s records: 4.5 per 1,000 homes, more than 57% of the 13,809 U.S. towns with a flood insurance record.
- Tropical Storm Ivan1 claim · $4K
Flemington isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Clinton County.1 federal disaster brought FEMA money to Flemington
Disasters that paid out in Flemington itself (aid to households or repair grants to the Borough of Flemington), newest first, with that year’s flood claims.
- 2004Tropical Depression Ivan3 households applied for aid$9K aid approved1 flood claim paid for it, $4K
Clinton County has had 12 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Flemington after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Flemington archive →Flemington and its neighbors
Flemington is 3rd of the 3 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 |
|---|---|---|---|
| Lock Haven | Aless damage than 94% | river and rain flooding | 97 |
| Castanea Township | B−less damage than 53% | river and rain flooding | — |
| Flemington | B−less damage than 53% | river and rain flooding | 3 |
| Allison Township | — | 271 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 Flemington 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.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Flemington
Is Flemington at risk for natural disasters?
On FEMA’s National Risk Index, Flemington has lower expected damage per building than 53% of U.S. towns: B− for hazard risk. Most of the expected damage is river and rain flooding (92%). 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 Flemington flood?
Flood insurance has paid 3 claims in Flemington since 1984, $14K in all, or 4.5 per 1,000 homes, more than 57% of U.S. towns with a flood insurance record. The most claims came from Tropical Storm Ivan (1).
Is Flemington 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 Clinton County, 15% of homes in mapped flood zones carry federal flood insurance, and 2.2% of all homes do.
How much is flood insurance in Flemington?
FEMA’s Community Rating System list shows no discount for Flemington’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 Flemington?
By FEMA money that reached Flemington, Tropical Depression Ivan (2004): 3 households applied for aid, $9K approved. By flood claims, Tropical Storm Ivan: 1 paid, $4K.
Is Flemington at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (92%), and Flemington’s rate for it is higher than 72% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Flemington.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Flemington’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.