Natural hazards · Harmony

Harmony, NJ natural hazards

Most of the natural-hazard damage FEMA expects in Harmony comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 321 claims here since 1982. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Harmony?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Harmony to be higher than in 67% of U.S. communities, mostly from inland flooding.

Inland flooding68%Cold waves9%Drought8%Everything else16%

By hazard

What Harmony faces

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

Inland flooding

68% of expected damage

Well above average · higher than 85% of U.S. places

Recorded about 2 times a year in the area

Cold waves

9% of expected damage

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

Recorded about once a year in the area

Drought

8% of expected damage

Recorded about 2 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Harmony flood?

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

321paid claims since 1982

$14.1Mpaid to owners

85homes flooded more than once

19822026

Biggest named events

Torrential rain: 7 claims, $147K
Late winter storms: 2 claims, $28K
April 2007 Nor'easter: 1 claim, $67K

Homes that flooded again and again

Each house = 2 homes. ■ FEMA “severe repetitive loss” (38) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

No community discount. Harmony 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.

What’s been done with FEMA grants

3flood-prone properties bought out and cleared

Disasters that hit Harmony

6 federal disasters brought FEMA money here

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

Brought FEMA money into HarmonyDeclared for Warren County only

2023

Severe Storm and Flooding

$663K to the Township of Harmony for repairs

2021

Severe Winter Storm and Snowstorm

$34K to the Township of Harmony for repairs

2016

Severe Winter Storm and Snowstorm

$19K to the Township of Harmony for repairs

2012

Hurricane Sandy

$22K to the Township of Harmony for repairs

2006

Severe Storms and Flooding

$49K to the Township of Harmony for repairs

2004

Severe Storms and Flooding

$272K to the Township of Harmony for repairs

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

Around Harmony

Harmony and the towns around it

Very lowLowModerateHighVery high

Lower Mount Bethelmostly inland floodingHigh

Whitemostly inland floodingHigh

Lopatcongmostly inland floodingHigh

Harmonymostly inland floodingHigh

Forksmostly inland floodingModerate

Franklinmostly inland floodingModerate

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. Harmony covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Harmony’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Harmony. 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 Harmony total about $2.0M 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.