Natural hazards · Allendale

Allendale, NJ natural hazards

Most of the natural-hazard damage FEMA expects in Allendale comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 42 claims here since 1984. 11 federal disasters brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations
Expected damage

How exposed is Allendale?

31
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Allendale to be higher than in 31% of U.S. communities, mostly from inland flooding.

Inland flooding75%Earthquakes9%Everything else16%
By hazard

What Allendale faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

75% of expected damage
Above average · higher than 55% of U.S. places
Recorded about 6 times a year in the area

Earthquakes

9% of expected damage
Above average · higher than 70% of U.S. places

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic activity
Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Flood insurance claims

Does Allendale flood?

Every paid claim on a federal flood insurance policy in Allendale, from FEMA’s records.

42paid claims since 1984
$671Kpaid to owners
5homes flooded more than once
19842026

Biggest named events

  • Hurricane Floyd: 15 claims, $380K
  • Hurricane Irene: 9 claims, $76K
  • April 2007 Nor'easter: 3 claims, $24K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
No community discount. Allendale 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.
Disasters that hit Allendale

11 federal disasters brought FEMA money here

Disasters the President declared that paid out in Allendale itself: aid to households, or repair grants to the Borough of Allendale.

Brought FEMA money into AllendaleDeclared for Bergen County only
2021

Remnants of Hurricane Ida

39 households applied for aid $68K aid approved $112K to the Borough of Allendale for repairs
2020

Tropical Storm Isaias

$137K to the Borough of Allendale for repairs
2018

Severe Winter Storm and Snowstorm

$80K to the Borough of Allendale for repairs
2016

Severe Winter Storm and Snowstorm

$34K to the Borough of Allendale for repairs
2012

Hurricane Sandy

51 households applied for aid $20K aid approved $195K to the Borough of Allendale for repairs
2011

Severe Storm

$53K to the Borough of Allendale for repairs
2011

Hurricane Irene

39 households applied for aid $106K aid approved $36K to the Borough of Allendale for repairs
2010

Severe Winter Storm and Snowstorm

$28K to the Borough of Allendale for repairs
2010

Severe Storms and Flooding

7 households applied for aid $2K aid approved
2007

Severe Storms and Inland and Coastal Flooding

19 households applied for aid $25K aid approved $17K to the Borough of Allendale for repairs
1999

Hurricane Floyd Major Disaster Declarations

$61K to the Borough of Allendale for repairs
Bergen County has had 24 natural disasters declared since 1953, most often hurricanes and severe storms.
Around Allendale

Allendale and the towns around it

Mahwah: Low, mostly inland floodingRamsey: Low, mostly inland floodingSaddle River: Low, mostly inland floodingWaldwick: Moderate, mostly inland floodingWyckoff: Low, mostly inland floodingFranklin Lakes: Low, mostly inland floodingUpper Saddle River: Moderate, mostly inland floodingOakland: High, mostly inland floodingWoodcliff Lake: Very low, mostly inland floodingHo-Ho-Kus: High, mostly inland floodingHillsdale: Moderate, mostly inland floodingRidgewood: High, mostly inland floodingMidland Park: Low, mostly inland floodingNorth Haledon: Low, mostly inland floodingHawthorne: High, mostly inland floodingAllendale: Low, mostly inland flooding AllendaleMahwahRamseySaddle RiverWaldwickWyckoff
Very lowLowModerateHighVery high
Waldwickmostly inland floodingModerate
Saddle Rivermostly inland floodingLow
Mahwahmostly inland floodingLow
Allendalemostly inland floodingLow
Wyckoffmostly inland floodingLow
Ramseymostly inland floodingLow
About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.
Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Allendale covers 2 census tracts, combined by population.
Money that reached townFlood claims are matched to Allendale’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Borough of Allendale. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Allendale total about $2.3M a year, counting buildings, people and crops.

Sources: FEMA National Risk Index (December 2025); 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. Census tracts: U.S. Census Bureau.

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