Photo: Famartin · CC BY-SA 4.0FEMA puts Freehold Township’s expected hazard damage per building above that of 66% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Freehold Township gets a C for hazard risk: higher expected damage per building than 66% of U.S. towns. Most of that expected damage is river and rain flooding (96%). Flood insurance has paid 1 claim here since 1986.
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 Freehold 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 Freehold Township’s grade
River and rain flooding is 96% of the building damage FEMA expects in Freehold Township, and Freehold Township’s rate of river and rain flooding damage is higher than 84% of U.S. census tracts.
C higher expected damage per building than 66% of U.S. towns (21,298).
All of Freehold Township’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $396K a year in losses across Freehold Township: $332K to buildings, the rest to people and crops.
Does Freehold Township flood? Rarely: 1 flood claim since 1986
Every paid claim on a federal flood insurance policy in Freehold Township, from FEMA’s records: 2.4 per 1,000 homes, fewer than 57% of the 13,809 U.S. towns with a flood insurance record.
Freehold 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: Warren County.The storms Freehold Township remembers
None of the 7 disasters declared for Warren County shows FEMA aid or repair money reaching Freehold Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 19861 flood claims paidNo declaration for the county that year
Warren County has had 7 natural disasters declared by the President since 1953, most often hurricanes and tropical storms, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Freehold Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Freehold Township archive →Freehold Township and its neighbors
Freehold Township is 3rd of the 5 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 |
|---|---|---|---|
| Sugar Grove Township | Cmore damage than 66% | river and rain flooding | — |
| Columbus Township | Cmore damage than 66% | river and rain flooding | — |
| Freehold Township | Cmore damage than 66% | river and rain flooding | 1 |
| Harmony | Cmore damage than 67% | river and rain flooding | — |
| Pittsfield Township | Dmore damage than 90% | river and rain flooding | — |
| Bear Lake | — | 132 residents; we grade 1,000+ | |
| Spring Creek Township | — | 861 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 Freehold 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.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Freehold Township
Is Freehold Township at risk for natural disasters?
On FEMA’s National Risk Index, Freehold Township has higher expected damage per building than 66% of U.S. towns: C for hazard risk. Most of the expected damage is river and rain flooding (96%). 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 Freehold Township flood?
Flood insurance has paid 1 claim in Freehold Township since 1986, $11K in all, or 2.4 per 1,000 homes, fewer than 57% of U.S. towns with a flood insurance record.
Is Freehold 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 Warren County, 9% of homes in mapped flood zones carry federal flood insurance, and 0.7% of all homes do.
How much is flood insurance in Freehold Township?
FEMA’s Community Rating System list shows no discount for Freehold Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Freehold Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (96%), and Freehold Township’s rate for it is higher than 84% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Freehold Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Freehold 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.