Natural hazards · Edgewater

Edgewater, NJ natural hazards

Most of the natural-hazard damage FEMA expects in Edgewater comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 70 claims here since 1978. 11 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Edgewater?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Edgewater to be higher than in 85% of U.S. communities, mostly from inland flooding.

Inland flooding83%Everything else17%

By hazard

What Edgewater faces

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

Inland flooding

83% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about 6 times a year in the area

Lower here

Coastal floodingHurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong 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 Edgewater flood?

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

70paid claims since 1978

$7.0Mpaid to owners

5homes flooded more than once

19782026

Biggest named events

Hurricane Sandy: 37 claims, $5.4M
Hurricane Ida: 9 claims, $216K
December Storm - Nor'easter: 5 claims, $262K

Homes that flooded again and again

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Bergen County.

Disasters that hit Edgewater

11 federal disasters brought FEMA money here

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

Brought FEMA money into EdgewaterDeclared for Bergen County only

2021

Remnants of Hurricane Ida

108 households applied for aid $339K aid approved $1.2M to the Borough of Edgewater for repairs

2018

Severe Winter Storm and Snowstorm

$38K to the Borough of Edgewater for repairs

2016

Severe Winter Storm and Snowstorm

$65K to the Borough of Edgewater for repairs

2012

Hurricane Sandy

423 households applied for aid $533K aid approved $928K to the Borough of Edgewater for repairs

2011

Severe Storm

$3K to the Borough of Edgewater for repairs

2011

Hurricane Irene

14 households applied for aid $34K aid approved $71K to the Borough of Edgewater for repairs

2010

Severe Winter Storm and Snowstorm

$24K to the Borough of Edgewater for repairs

2010

Severe Storms and Flooding

2 households applied for aid $521K to the Borough of Edgewater for repairs

2007

Severe Storms and Inland and Coastal Flooding

3 households applied for aid $8K aid approved $29K to the Borough of Edgewater for repairs

2005

Severe Storms and Flooding

1 household applied for aid

1999

Hurricane Floyd Major Disaster Declarations

$8K to the Borough of Edgewater for repairs

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

Around Edgewater

Edgewater and the towns around it

Very lowLowModerateHighVery high

Edgewatermostly inland floodingVery high

Cliffside Parkmostly inland floodingModerate

North Bergenmostly inland floodingModerate

Fort Leemostly 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. Edgewater covers 3 census tracts, combined by population.

Money that reached townFlood claims are matched to Edgewater’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Borough of Edgewater. 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 Edgewater total about $6.8M 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.