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Natural hazards · Andover

Andover, NJ natural hazards

Most of the natural-hazard damage FEMA expects in Andover comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 1 claim here since 2011. 5 federal disasters brought FEMA money into town.

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

How exposed is Andover?

38
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Andover to be higher than in 38% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding44%Cold waves26%Strong wind17%Everything else12%
By hazard

What Andover faces

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

Inland flooding

44% of expected damage
Below average · higher than 47% of U.S. places
Recorded about 2 times a year in the area

Cold waves

26% of expected damage
Below average · higher than 35% of U.S. places
Recorded about once a year in the area

Strong wind

17% of expected damage
Well above average · among the top 1% of U.S. places
Recorded about 6 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic 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 Andover flood?

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

1paid claims since 2011
$4Kpaid to owners
0homes flooded more than once
20112026

Biggest named events

  • Hurricane Irene: 1 claim, $4K
of homes in flood zones
are insured
of all homes
are insured
No community discount. Andover isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Sussex County.
Disasters that hit Andover

5 federal disasters brought FEMA money here

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

Brought FEMA money into AndoverDeclared for Sussex County only
2012

Hurricane Sandy

114 households applied for aid $10K aid approved $6K to the Borough of Andover for repairs
2011

Severe Storm

$17K to the Borough of Andover for repairs
2011

Hurricane Irene

62 households applied for aid $130K aid approved
2005

Severe Storms and Flooding

1 household applied for aid $1K aid approved
2004

Severe Storms and Flooding

1 household applied for aid $1K aid approved
Sussex County has had 22 natural disasters declared since 1953, most often severe storms and hurricanes.
Around Andover

Andover and the towns around it

Andover: Low, mostly inland floodingHampton: Low, mostly inland floodingFredon: Low, mostly inland floodingGreen: Moderate, mostly inland floodingNewton: Low, mostly inland floodingByram: Moderate, mostly inland floodingSparta: Low, mostly inland floodingLafayette: Low, mostly inland floodingAndover: Low, mostly inland flooding AndoverAndover
Very lowLowModerateHighVery high
Andovermostly inland floodingLow
Andovermostly 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. Andover is smaller than a census tract, so it shares the figures of the tract around its center.
Money that reached townFlood claims are matched to Andover’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Borough of Andover. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

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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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
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