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Natural hazards · Guttenberg

Guttenberg, NJ natural hazards

Most of the natural-hazard damage FEMA expects in Guttenberg comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 2 claims here since 2012. 6 federal disasters brought FEMA money into town.

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

How exposed is Guttenberg?

53
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Guttenberg to be higher than in 53% of U.S. communities, mostly from inland flooding and heat waves.

Inland flooding61%Heat waves15%Cold waves7%Everything else17%
By hazard

What Guttenberg faces

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

Inland flooding

61% of expected damage
Well above average · higher than 75% of U.S. places
Recorded about 3 times a year in the area

Heat waves

15% of expected damage
Well below average · higher than 20% of U.S. places
Recorded about 10 times a year in the area

Cold waves

7% of expected damage
Below average · higher than 27% of U.S. places
Recorded about once every 2 years in the area

Lower here

Coastal floodingHurricanesTornadoesHailIce stormsWinter weatherEarthquakesLandslidesStrong windLightning

Not a risk here

WildfireDroughtAvalanchesTsunamisVolcanic 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 Guttenberg flood?

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

2paid claims since 2012
$69Kpaid to owners
0homes flooded more than once
20122026

Biggest named events

  • Hurricane Sandy: 1 claim, $35K
  • Hurricane Ida: 1 claim, $34K
of homes in flood zones
are insured
of all homes
are insured
No community discount. Guttenberg isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Hudson County.
Disasters that hit Guttenberg

6 federal disasters brought FEMA money here

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

Brought FEMA money into GuttenbergDeclared for Hudson County only
2021

Remnants of Hurricane Ida

78 households applied for aid $204K aid approved
2016

Severe Winter Storm and Snowstorm

$39K to the Town of Guttenberg for repairs
2012

Hurricane Sandy

61 households applied for aid $3K aid approved $44K to the Town of Guttenberg for repairs
2011

Hurricane Irene

2 households applied for aid $9K aid approved $11K to the Town of Guttenberg for repairs
2010

Severe Winter Storm and Snowstorm

$26K to the Town of Guttenberg for repairs
2007

Severe Storms and Inland and Coastal Flooding

2 households applied for aid $7K aid approved $20K to the Town of Guttenberg for repairs
Hudson County has had 17 natural disasters declared since 1953, most often hurricanes and winter storms.
Around Guttenberg

Guttenberg and the towns around it

West New York: High, mostly inland floodingNorth Bergen: Moderate, mostly inland floodingUnion City: Moderate, mostly inland floodingWeehawken: Moderate, mostly inland floodingRidgefield: High, mostly inland floodingSecaucus: High, mostly inland floodingFairview: Moderate, mostly inland floodingCarlstadt: Very high, mostly coastal floodingEdgewater: Very high, mostly inland floodingJersey City: Moderate, mostly inland floodingGuttenberg: Moderate, mostly inland flooding GuttenbergWest New YorkNorth Bergen
Very lowLowModerateHighVery high
West New Yorkmostly inland floodingHigh
Guttenbergmostly inland floodingModerate
North Bergenmostly inland floodingModerate
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. Guttenberg covers 4 census tracts, combined by population.
Money that reached townFlood claims are matched to Guttenberg’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Guttenberg. 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 Guttenberg total about $1.9M 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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