Natural hazards · Clark

Clark, NJ natural hazards

Most of the natural-hazard damage FEMA expects in Clark comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 114 claims here since 1978. 9 federal disasters brought FEMA money into town.

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

How exposed is Clark?

48
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Clark to be higher than in 48% of U.S. communities, mostly from inland flooding.

Inland flooding74%Earthquakes8%Everything else19%
By hazard

What Clark faces

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

Inland flooding

74% of expected damage
Above average · higher than 70% of U.S. places
Recorded about 3 times a year in the area

Earthquakes

8% of expected damage
Above average · higher than 72% of U.S. places

Lower here

Coastal floodingHurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireLandslidesStrong windLightning

Not a risk here

DroughtAvalanchesTsunamisVolcanic 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 Clark flood?

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

114paid claims since 1978
$2.7Mpaid to owners
13homes flooded more than once
19782026

Biggest named events

  • Hurricane Ida: 30 claims, $1.3M
  • Hurricane Irene: 24 claims, $504K
  • 2025 July NYC Metro Area Flooding: 9 claims, $512K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (4) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
No community discount. Clark isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Union County.
Disasters that hit Clark

9 federal disasters brought FEMA money here

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

Brought FEMA money into ClarkDeclared for Union County only
2021

Remnants of Hurricane Ida

251 households applied for aid $1.3M aid approved $331K to the Township of Clark for repairs
2016

Severe Winter Storm and Snowstorm

$56K to the Township of Clark for repairs
2012

Hurricane Sandy

158 households applied for aid $24K aid approved $575K to the Township of Clark for repairs
2011

Severe Storm

$120K to the Township of Clark for repairs
2011

Hurricane Irene

138 households applied for aid $272K aid approved $183K to the Township of Clark for repairs
2010

Severe Winter Storm and Snowstorm

$28K to the Township of Clark for repairs
2010

Severe Storms and Flooding

12 households applied for aid $15K aid approved
2007

Severe Storms and Inland and Coastal Flooding

15 households applied for aid $7K aid approved $29K to the Township of Clark for repairs
1999

Hurricane Floyd Major Disaster Declarations

$52K to the Township of Clark for repairs
Union County has had 22 natural disasters declared since 1953, most often hurricanes and severe storms.
Around Clark

Clark and the towns around it

Scotch Plains: High, mostly inland floodingWinfield: High, mostly inland floodingRahway: High, mostly inland floodingCranford: Moderate, mostly inland floodingLinden: Low, mostly inland floodingBerkeley Heights: Moderate, mostly inland floodingWatchung: High, mostly inland floodingFanwood: Very high, mostly inland floodingWestfield: Low, mostly inland floodingPlainfield: Very high, mostly inland floodingWoodbridge: Low, mostly inland floodingKenilworth: Low, mostly inland floodingGarwood: Very low, mostly inland floodingRoselle: Very low, mostly inland floodingRoselle Park: Very low, mostly inland floodingSpringfield: High, mostly inland floodingCarteret: Low, mostly inland floodingElizabeth: Low, mostly inland floodingNew York: Very low, mostly inland floodingClark: Moderate, mostly inland flooding ClarkScotch PlainsWinfieldRahwayCranfordLinden
Very lowLowModerateHighVery high
Scotch Plainsmostly inland floodingHigh
Rahwaymostly inland floodingHigh
Winfieldmostly inland floodingHigh
Cranfordmostly inland floodingModerate
Clarkmostly inland floodingModerate
Lindenmostly 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. Clark covers 3 census tracts, combined by population.
Money that reached townFlood claims are matched to Clark’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Clark. 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 Clark total about $5.0M 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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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/15 · 2025-01-01