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Natural hazards · Hanover

Hanover, NJ natural hazards

Most of the natural-hazard damage FEMA expects in Hanover comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 72 claims here since 1979. 11 federal disasters brought FEMA money into town.

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

How exposed is Hanover?

37
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hanover to be higher than in 37% of U.S. communities, mostly from inland flooding.

Inland flooding73%Cold waves8%Earthquakes5%Everything else15%
By hazard

What Hanover faces

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

Inland flooding

73% of expected damage
Above average · higher than 62% of U.S. places
Recorded about 4 times a year in the area

Cold waves

8% of expected damage
Below average · higher than 29% of U.S. places
Recorded about once a year in the area

Earthquakes

5% of expected damage
Above average · higher than 63% 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 Hanover flood?

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

72paid claims since 1979
$3.6Mpaid to owners
11homes flooded more than once
19792026

Biggest named events

  • Hurricane Irene: 20 claims, $1.7M
  • Hurricane Floyd: 16 claims, $1.1M
  • Not a named storm: 6 claims, $20K

Homes that flooded again and again

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

of all homes
are insured
No community discount. Hanover 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 Hanover

11 federal disasters brought FEMA money here

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

Brought FEMA money into HanoverDeclared for Morris County only
2021

Remnants of Hurricane Ida

$11K to the Township of Hanover for repairs
2021

Severe Winter Storm and Snowstorm

$150K to the Township of Hanover for repairs
2020

Tropical Storm Isaias

$102K to the Township of Hanover for repairs
2018

Severe Winter Storm and Snowstorm

$152K to the Township of Hanover for repairs
2016

Severe Winter Storm and Snowstorm

$73K to the Township of Hanover for repairs
2012

Hurricane Sandy

$262K to the Township of Hanover for repairs
2011

Severe Storm

$77K to the Township of Hanover for repairs
2011

Hurricane Irene

$84K to the Township of Hanover for repairs
2010

Severe Winter Storm and Snowstorm

$52K to the Township of Hanover for repairs
2000

Severe Storms, Flooding and Mudslides

$4K to the Township of Hanover for repairs
1999

Hurricane Floyd Major Disaster Declarations

$59K to the Township of Hanover for repairs
Morris County has had 26 natural disasters declared since 1953, most often severe storms and hurricanes.
Around Hanover

Hanover and the towns around it

East Hanover: High, mostly inland floodingMorris: Low, mostly inland floodingParsippany-Troy Hills: High, mostly inland floodingMorris Plains: Low, mostly inland floodingLivingston: Low, mostly inland floodingMontville: Very high, mostly inland floodingWest Caldwell: Low, mostly inland floodingRoseland: Moderate, mostly inland floodingFlorham Park: Low, mostly inland floodingFairfield: Moderate, mostly inland floodingHarding: Moderate, mostly inland floodingDenville: High, mostly inland floodingBoonton: Very high, mostly inland floodingMountain Lakes: Low, mostly inland floodingHanover: Low, mostly inland flooding HanoverEast HanoverMorrisParsippany-Troy HillsMorris Plains
Very lowLowModerateHighVery high
East Hanovermostly inland floodingHigh
Parsippany-Troy Hillsmostly inland floodingHigh
Morrismostly inland floodingLow
Hanovermostly inland floodingLow
Morris Plainsmostly 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. Hanover covers 3 census tracts, combined by population.
Money that reached townFlood claims are matched to Hanover’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Hanover. 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 Hanover total about $5.7M 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/15 · 2025-01-01
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