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Natural hazards · Hackettstown

Hackettstown, NJ natural hazards

Most of the natural-hazard damage FEMA expects in Hackettstown comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 22 claims here since 1979. 9 federal disasters brought FEMA money into town.

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

How exposed is Hackettstown?

53
Moderate
vs. U.S. communities

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

Inland flooding61%Cold waves18%Strong wind5%Everything else15%
By hazard

What Hackettstown 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
Above average · higher than 73% of U.S. places
Recorded about 2 times a year in the area

Cold waves

18% of expected damage
Below average · higher than 33% of U.S. places
Recorded about once a year in the area

Strong wind

5% of expected damage
Well above average · higher than 92% of U.S. places
Recorded about 6 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightningDrought

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 Hackettstown flood?

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

22paid claims since 1979
$186Kpaid to owners
2homes flooded more than once
19792026

Biggest named events

  • Hurricane Irene: 7 claims, $84K
  • Not a named storm: 1 claim, $783
  • Hurricane Floyd: 1 claim, $1K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
No community discount. Hackettstown isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Warren County.
Disasters that hit Hackettstown

9 federal disasters brought FEMA money here

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

Brought FEMA money into HackettstownDeclared for Warren County only
2021

Remnants of Hurricane Ida

47 households applied for aid $36K aid approved
2021

Severe Winter Storm and Snowstorm

$72K to the Town of Hackettstown for repairs
2016

Severe Winter Storm and Snowstorm

$23K to the Town of Hackettstown for repairs
2012

Hurricane Sandy

145 households applied for aid $38K aid approved $95K to the Town of Hackettstown for repairs
2011

Severe Storm

$47K to the Town of Hackettstown for repairs
2011

Remnants of Tropical Storm Lee

$2K to the Town of Hackettstown for repairs
2011

Hurricane Irene

178 households applied for aid $366K aid approved $12K to the Town of Hackettstown for repairs
2005

Severe Storms and Flooding

4 households applied for aid $4K aid approved
2004

Severe Storms and Flooding

7 households applied for aid $16K aid approved
Warren County has had 21 natural disasters declared since 1953, most often severe storms and hurricanes.
Around Hackettstown

Hackettstown and the towns around it

Mount Olive: Low, mostly inland floodingMansfield: Low, mostly inland floodingIndependence: Low, mostly inland floodingWashington: Low, mostly inland floodingAllamuchy: Low, mostly inland floodingByram: Moderate, mostly inland floodingStanhope: Low, mostly cold wavesNetcong: Very low, mostly inland floodingRoxbury: Low, mostly inland floodingChester: Moderate, mostly inland floodingLebanon: Moderate, mostly inland floodingWashington: Moderate, mostly inland floodingOxford: Low, mostly inland floodingLiberty: Moderate, mostly inland floodingFrelinghuysen: Low, mostly inland floodingTewksbury: Moderate, mostly inland floodingGreen: Moderate, mostly inland floodingHackettstown: Moderate, mostly inland flooding HackettstownMount OliveMansfieldIndependenceWashingtonAllamuchy
Very lowLowModerateHighVery high
Hackettstownmostly inland floodingModerate
Mansfieldmostly inland floodingLow
Allamuchymostly inland floodingLow
Mount Olivemostly inland floodingLow
Independencemostly inland floodingLow
Washingtonmostly 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. Hackettstown covers 2 census tracts, combined by population.
Money that reached townFlood claims are matched to Hackettstown’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Hackettstown. 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 Hackettstown total about $4.1M 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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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
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