Natural hazards · Harding

Harding, NJ natural hazards

Most of the natural-hazard damage FEMA expects in Harding comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 18 claims here since 1996. 11 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Harding?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Harding to be higher than in 52% of U.S. communities, mostly from inland flooding.

Inland flooding81%Everything else19%

By hazard

What Harding faces

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

Inland flooding

81% of expected damage

Well above average · higher than 76% of U.S. places

Recorded about 4 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

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 Harding flood?

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

18paid claims since 1996

$290Kpaid to owners

0homes flooded more than once

19962026

Biggest named events

Hurricane Irene: 5 claims, $78K
Hurricane Floyd: 5 claims, $95K
December Nor'easter: 1 claim, $8K

of all homes
are insured

No community discount. Harding 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 Harding

11 federal disasters brought FEMA money here

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

Brought FEMA money into HardingDeclared for Morris County only

2021

Remnants of Hurricane Ida

$21K to the Township of Harding for repairs

2021

Severe Winter Storm and Snowstorm

$19K to the Township of Harding for repairs

2020

Tropical Storm Isaias

$36K to the Township of Harding for repairs

2018

Severe Winter Storm and Snowstorm

$46K to the Township of Harding for repairs

2016

Severe Winter Storm and Snowstorm

$27K to the Township of Harding for repairs

2012

Hurricane Sandy

$334K to the Township of Harding for repairs

2011

Severe Storm

$26K to the Township of Harding for repairs

2011

Hurricane Irene

$45K to the Township of Harding for repairs

2010

Severe Winter Storm and Snowstorm

$9K to the Township of Harding for repairs

2010

Severe Storms and Flooding

$5K to the Township of Harding for repairs

1999

Hurricane Floyd Major Disaster Declarations

$6K to the Township of Harding for repairs

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

Around Harding

Harding and the towns around it

Very lowLowModerateHighVery high

Long Hillmostly inland floodingHigh

Chathammostly inland floodingHigh

Hardingmostly inland floodingModerate

Bernardsmostly inland floodingModerate

Morrismostly inland floodingLow

Bernardsvillemostly 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. Harding covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Harding’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Harding. 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 Harding total about $2.6M 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.