Natural hazards · Deerfield

Deerfield, NJ natural hazards

Most of the natural-hazard damage FEMA expects in Deerfield comes from hurricanes, and overall the risk is very low for a U.S. community. Flood insurance has paid 6 claims here since 2006. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Deerfield?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Deerfield to be higher than in 14% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes31%Inland flooding24%Cold waves10%Drought9%Earthquakes7%Everything else18%

By hazard

What Deerfield faces

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

Hurricanes

31% of expected damage

Well above average · higher than 84% of U.S. places

Recorded about once every 8 years in the area

Inland flooding

24% of expected damage

Well below average · higher than 4% of U.S. places

Recorded about 2 times a year in the area

Cold waves

10% of expected damage

Below average · higher than 41% of U.S. places

Recorded about once a year in the area

Drought

9% of expected damage

Recorded about 9 times a year in the area

Earthquakes

7% of expected damage

Above average · higher than 68% of U.S. places

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesWildfireLandslidesStrong windLightning

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 Deerfield flood?

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

6paid claims since 2006

$47Kpaid to owners

1homes flooded more than once

20062026

Biggest named events

Hurricane Irene: 3 claims, $23K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

No community discount. Deerfield isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Cumberland County.

Disasters that hit Deerfield

6 federal disasters brought FEMA money here

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

Brought FEMA money into DeerfieldDeclared for Cumberland County only

2012

Hurricane Sandy

$4K to the Township of Deerfield for repairs

2012

Severe Storms and Straight-Line Winds

$24K to the Township of Deerfield for repairs

2011

Hurricane Irene

$1K to the Township of Deerfield for repairs

2011

Severe Storms and Flooding

$1K to the Township of Deerfield for repairs

2010

Severe Winter Storm and Snowstorm

$5K to the Township of Deerfield for repairs

2009

Snowstorm

$4K to the Township of Deerfield for repairs

Cumberland County has had 24 natural disasters declared since 1953, most often hurricanes and severe storms.

Around Deerfield

Deerfield and the towns around it

Very lowLowModerateHighVery high

Fairfieldmostly inland floodingLow

Millvillemostly inland floodingLow

Vinelandmostly inland floodingVery low

Pittsgrovemostly inland floodingVery low

Deerfieldmostly hurricanesVery low

Upper Deerfieldmostly inland floodingVery low

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. Deerfield covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Deerfield’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Deerfield. 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 Deerfield total about $995K 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.