Colonia’s biggest natural hazard is inland flooding
Most of the natural-hazard damage FEMA expects in Colonia comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 180 claims here since 1978.
What stands out about Colonia’s weather risks
Read from FEMA’s records below. The page puts what stands out first.
Does Colonia flood? Yes: 180 flood claims since 1978
Every paid claim on a federal flood insurance policy in Colonia, from FEMA’s records.
- Hurricane Ida47 claims · $3.3M
- Hurricane Irene42 claims · $1.6M
- Hurricane Floyd16 claims · $811K
Colonia isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Middlesex County.The storms Colonia remembers
None of the disasters declared for Middlesex County shows FEMA aid or repair money reaching Colonia itself in FEMA’s records.
- 202147 flood claims paidThe most in any one year on record
- 201143 flood claims paidOne of the three biggest flood years on record
- 199634 flood claims paidOne of the three biggest flood years on record
Middlesex County has had 23 natural disasters declared since 1953, most often hurricanes and severe storms.
Old photos of Colonia after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Colonia archive →How exposed is Colonia?
FEMA expects yearly storm and flood damage to homes and buildings here to be higher than in 58% of U.S. communities, mostly from inland flooding.
Rated higher than 331 of the 564 New Jersey towns we cover.
Colonia covers 5 census tracts, combined by population.
What Colonia faces
Each hazard’s share of the damage FEMA expects here, and how it compares with the rest of the country.
Inland flooding
Get ready for what Colonia actually faces
A short kit for its top hazards, 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.
- Keep a shovel, a blanket and snacks in the car.
- Clear snow from furnace and dryer vents.
- Check on older neighbors when the power goes out.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- 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.
Colonia and its neighbors
Colonia ranks 3rd calmest of 4 towns around it. Tap a town to see its hazards.
| Town | Rating | Mostly | Flood claims |
|---|---|---|---|
| Rahway | High | inland flooding | 887 |
| Colonia | Moderate | inland flooding | 180 |
| Edison | Moderate | inland flooding | 154 |
| Woodbridge | Low | inland flooding | 597 |
Rating = expected yearly storm and flood damage as a share of what’s there, vs. U.S. communities. Flood claims = paid federal flood insurance claims on record.
Most disasters here begin in August–October
The month each of Middlesex County’s 23 declared disasters began, since 1953.
What these numbers can and can’t tell you
- An average, not a forecast. FEMA’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 there, so a big city isn’t rated riskier just for having more buildings.
- Money that reached town. Flood claims are matched to Colonia’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Colonia.
- It follows property value. FEMA’s model weighs damage to buildings, so a place that recently lost many homes can rate lower than it feels. Across Colonia, expected losses total about $4.6M a year, counting buildings, people and crops.
Storm stories
Memories, warnings and help from neighbors in Colonia.
Your answer becomes a post in Town Square.
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. Weather alerts: National Weather Service. Preparedness tips: Ready.gov. An average of past damage, not a forecast.