Natural hazards · Belvidere

Belvidere, NJ natural hazards

Most of the natural-hazard damage FEMA expects in Belvidere comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 155 claims here since 1979. 11 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Belvidere?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Belvidere to be higher than in 88% of U.S. communities, mostly from inland flooding.

Inland flooding82%Cold waves8%Everything else10%

By hazard

What Belvidere faces

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

Inland flooding

82% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about 2 times a year in the area

Cold waves

8% of expected damage

Below average · higher than 33% of U.S. places

Recorded about once a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

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 Belvidere flood?

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

155paid claims since 1979

$2.6Mpaid to owners

40homes flooded more than once

19792026

Biggest named events

Hurricane Irene: 6 claims, $38K
Not a named storm: 5 claims, $3K
Torrential rain: 4 claims, $72K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (5) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

No community discount. Belvidere 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.

What’s been done with FEMA grants

4homes raised above flood level

2flood-prone properties bought out and cleared

Disasters that hit Belvidere

11 federal disasters brought FEMA money here

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

Brought FEMA money into BelvidereDeclared for Warren County only

2023

Severe Storm and Flooding

$1.5M to the Town of Belvidere for repairs

2021

Remnants of Hurricane Ida

27 households applied for aid $6K aid approved

2021

Severe Winter Storm and Snowstorm

$22K to the Town of Belvidere for repairs

2016

Severe Winter Storm and Snowstorm

$15K to the Town of Belvidere for repairs

2012

Hurricane Sandy

88 households applied for aid $676 aid approved $54K to the Town of Belvidere for repairs

2011

Severe Storm

$18K to the Town of Belvidere for repairs

2011

Remnants of Tropical Storm Lee

$23K to the Town of Belvidere for repairs

2011

Hurricane Irene

115 households applied for aid $230K aid approved $11K to the Town of Belvidere for repairs

2006

Severe Storms and Flooding

31 households applied for aid $41K aid approved $13K to the Town of Belvidere for repairs

2005

Severe Storms and Flooding

51 households applied for aid $77K aid approved

2004

Severe Storms and Flooding

37 households applied for aid $93K aid approved $19K to the Town of Belvidere for repairs

Warren County has had 21 natural disasters declared since 1953, most often severe storms and hurricanes.

Around Belvidere

Belvidere and the towns around it

Very lowLowModerateHighVery high

Belvideremostly inland floodingVery high

Lower Mount Bethelmostly inland floodingHigh

Whitemostly inland floodingHigh

Upper Mount Bethelmostly inland floodingModerate

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. Belvidere covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Belvidere’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Belvidere. 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 Belvidere 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.