Natural hazards · Florham Park

Florham Park, NJ natural hazards

Most of the natural-hazard damage FEMA expects in Florham Park comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 4 claims here since 1979. 10 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Florham Park?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Florham Park to be higher than in 27% of U.S. communities, mostly from inland flooding.

Inland flooding67%Cold waves9%Earthquakes8%Everything else17%

By hazard

What Florham Park faces

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

Inland flooding

67% of expected damage

Above average · higher than 50% of U.S. places

Recorded about 4 times a year in the area

Cold waves

9% of expected damage

Below average · higher than 29% of U.S. places

Recorded about once a year in the area

Earthquakes

8% of expected damage

Above average · higher than 66% of U.S. places

Lower here

HurricanesTornadoesHailIce stormsWinter weatherHeat wavesWildfireLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Florham Park flood?

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

4paid claims since 1979

$69Kpaid to owners

0homes flooded more than once

19792026

Biggest named events

Hurricane Floyd: 1 claim, $258
Hurricane Irene: 1 claim, $3K

of all homes
are insured

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

Insurance rates: Morris County.

Disasters that hit Florham Park

10 federal disasters brought FEMA money here

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

Brought FEMA money into Florham ParkDeclared for Morris County only

2021

Remnants of Hurricane Ida

32 households applied for aid $62K aid approved

2021

Severe Winter Storm and Snowstorm

$104K to the Borough of Florham Park for repairs

2020

Tropical Storm Isaias

$140K to the Borough of Florham Park for repairs

2018

Severe Winter Storm and Snowstorm

$221K to the Borough of Florham Park for repairs

2012

Hurricane Sandy

85 households applied for aid $7K aid approved $425K to the Borough of Florham Park for repairs

2011

Severe Storm

$172K to the Borough of Florham Park for repairs

2011

Hurricane Irene

24 households applied for aid $42K aid approved $101K to the Borough of Florham Park for repairs

2010

Severe Winter Storm and Snowstorm

$41K to the Borough of Florham Park for repairs

2010

Severe Storms and Flooding

$14K to the Borough of Florham Park for repairs

1999

Hurricane Floyd Major Disaster Declarations

$17K to the Borough of Florham Park for repairs

Morris County has had 26 natural disasters declared since 1953, most often severe storms and hurricanes.

Around Florham Park

Florham Park and the towns around it

Very lowLowModerateHighVery high

Chathammostly inland floodingHigh

East Hanovermostly inland floodingHigh

Millburnmostly inland floodingModerate

Livingstonmostly inland floodingLow

Florham Parkmostly inland floodingLow

Madisonmostly 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. Florham Park covers 3 census tracts, combined by population.

Money that reached townFlood claims are matched to Florham Park’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Borough of Florham Park. 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 Florham Park total about $4.3M 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.