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Natural hazards · High Bridge

High Bridge, NJ natural hazards

Most of the natural-hazard damage FEMA expects in High Bridge comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 8 claims here since 1982. 9 federal disasters brought FEMA money into town.

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

How exposed is High Bridge?

73
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in High Bridge to be higher than in 73% of U.S. communities, mostly from inland flooding.

Inland flooding78%Strong wind7%Everything else15%
By hazard

What High Bridge faces

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

Inland flooding

78% of expected damage
Well above average · higher than 89% of U.S. places
Recorded about 3 times a year in the area

Strong wind

7% of expected damage
Well above average · higher than 96% of U.S. places
Recorded about 6 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesLightning

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 High Bridge flood?

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

8paid claims since 1982
$142Kpaid to owners
2homes flooded more than once
19822026

Biggest named events

  • Hurricane Irene: 2 claims, $120K
  • December Nor'easter: 1 claim, $15K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
No community discount. High Bridge isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Hunterdon County.
Disasters that hit High Bridge

9 federal disasters brought FEMA money here

Disasters the President declared that paid out in High Bridge itself: aid to households, or repair grants to the Borough of High Bridge.

Brought FEMA money into High BridgeDeclared for Hunterdon County only
2021

Remnants of Hurricane Ida

19 households applied for aid $4K aid approved $91K to the Borough of High Bridge for repairs
2016

Severe Winter Storm and Snowstorm

$24K to the Borough of High Bridge for repairs
2012

Hurricane Sandy

53 households applied for aid $15K aid approved $84K to the Borough of High Bridge for repairs
2011

Severe Storm

$5K to the Borough of High Bridge for repairs
2011

Remnants of Tropical Storm Lee

$5K to the Borough of High Bridge for repairs
2011

Hurricane Irene

18 households applied for aid $48K aid approved $155K to the Borough of High Bridge for repairs
2010

Severe Storms and Flooding

$28K to the Borough of High Bridge for repairs
2004

Severe Storms and Flooding

2 households applied for aid $13K aid approved $798 to the Borough of High Bridge for repairs
1999

Hurricane Floyd Major Disaster Declarations

$8K to the Borough of High Bridge for repairs
Hunterdon County has had 19 natural disasters declared since 1953, most often severe storms and hurricanes.
Around High Bridge

High Bridge and the towns around it

Clinton: Low, mostly inland floodingLebanon: Moderate, mostly inland floodingFranklin: Low, mostly inland floodingUnion: Low, mostly inland floodingReadington: Moderate, mostly inland floodingTewksbury: Moderate, mostly inland floodingClinton: Very high, mostly inland floodingRaritan: Low, mostly inland floodingMansfield: Low, mostly inland floodingWashington: Moderate, mostly inland floodingCalifon: Moderate, mostly inland floodingGlen Gardner: High, mostly inland floodingWashington: Low, mostly inland floodingBethlehem: Low, mostly inland floodingHampton: High, mostly inland floodingHigh Bridge: High, mostly inland flooding High BridgeClintonLebanon
Very lowLowModerateHighVery high
High Bridgemostly inland floodingHigh
Lebanonmostly inland floodingModerate
Clintonmostly 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. High Bridge covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to High Bridge’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Borough of High Bridge. 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 High Bridge total about $1.5M 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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