Natural hazards · Hardyston

Hardyston, NJ natural hazards

Most of the natural-hazard damage FEMA expects in Hardyston comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 1 claim here since 2011. 8 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Hardyston?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hardyston to be higher than in 30% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding45%Cold waves28%Strong wind16%Everything else12%

By hazard

What Hardyston faces

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

Inland flooding

45% of expected damage

Below average · higher than 40% of U.S. places

Recorded about 2 times a year in the area

Cold waves

28% of expected damage

Below average · higher than 35% of U.S. places

Recorded about once a year in the area

Strong wind

16% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about 5 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 Hardyston flood?

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

1paid claims since 2011

$61Kpaid to owners

0homes flooded more than once

20112026

Biggest named events

Hurricane Irene: 1 claim, $61K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Hardyston isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Sussex County.

Disasters that hit Hardyston

8 federal disasters brought FEMA money here

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

Brought FEMA money into HardystonDeclared for Sussex County only

2021

Severe Winter Storm and Snowstorm

$68K to the Township of Hardyston for repairs

2020

Tropical Storm Isaias

$19K to the Township of Hardyston for repairs

2012

Hurricane Sandy

$117K to the Township of Hardyston for repairs

2011

Severe Storm

$27K to the Township of Hardyston for repairs

2011

Hurricane Irene

1 household applied for aid $2K aid approved $36K to the Township of Hardyston for repairs

2007

Severe Storms and Inland and Coastal Flooding

$3K to the Township of Hardyston for repairs

2004

Severe Storms and Flooding

$2K to the Township of Hardyston for repairs

2000

Severe Storms, Flooding and Mudslides

$19K to the Township of Hardyston for repairs

Sussex County has had 22 natural disasters declared since 1953, most often severe storms and hurricanes.

Around Hardyston

Hardyston and the towns around it

Very lowLowModerateHighVery high

West Milfordmostly inland floodingHigh

Hamburgmostly inland floodingHigh

Wantagemostly inland floodingModerate

Franklinmostly inland floodingModerate

Vernonmostly inland floodingLow

Lafayettemostly inland floodingLow

Ogdensburgmostly inland floodingLow

Hardystonmostly inland floodingLow

Jeffersonmostly inland floodingLow

Spartamostly 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. Hardyston covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Hardyston’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Hardyston. 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 Hardyston total about $3.2M 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.