Natural hazards · Hardwick

Hardwick, NJ natural hazards

Most of the natural-hazard damage FEMA expects in Hardwick comes from inland flooding, and overall the risk is moderate for a U.S. community. 8 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Hardwick?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hardwick to be higher than in 57% of U.S. communities, mostly from inland flooding.

Inland flooding69%Cold waves12%Everything else19%

By hazard

What Hardwick faces

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

Inland flooding

69% of expected damage

Well above average · higher than 78% of U.S. places

Recorded about 2 times a year in the area

Cold waves

12% of expected damage

Below average · higher than 33% of U.S. places

Recorded about once a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDroughtAvalanches

Not a risk here

Coastal floodingTsunamisVolcanic 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 Hardwick flood?

FEMA's records show no paid flood insurance claims in Hardwick.

of homes in flood zones
are insured

of all homes
are insured

No community discount. Hardwick 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 Hardwick

8 federal disasters brought FEMA money here

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

Brought FEMA money into HardwickDeclared for Warren County only

2021

Remnants of Hurricane Ida

1 household applied for aid $357 aid approved

2021

Severe Winter Storm and Snowstorm

$20K to the Township of Hardwick for repairs

2016

Severe Winter Storm and Snowstorm

$19K to the Township of Hardwick for repairs

2012

Hurricane Sandy

16 households applied for aid $20K to the Township of Hardwick for repairs

2011

Severe Storm

$6K to the Township of Hardwick for repairs

2011

Hurricane Irene

29 households applied for aid $49K aid approved $130K to the Township of Hardwick for repairs

2005

Severe Storms and Flooding

1 household applied for aid

2004

Severe Storms and Flooding

16 households applied for aid $51K aid approved $20K to the Township of Hardwick for repairs

Warren County has had 21 natural disasters declared since 1953, most often severe storms and hurricanes.

Around Hardwick

Hardwick and the towns around it

Very lowLowModerateHighVery high

Hardwickmostly inland floodingModerate

Blairstownmostly inland floodingModerate

Delaware Water Gapmostly inland floodingModerate

Stillwatermostly inland floodingModerate

Knowltonmostly inland floodingModerate

Upper Mount Bethelmostly inland floodingModerate

Smithfieldmostly inland floodingLow

Middle Smithfieldmostly inland floodingLow

Frelinghuysenmostly 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. Hardwick is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Hardwick’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Hardwick. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

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.