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Natural hazards · Livingston

Livingston, NJ natural hazards

Most of the natural-hazard damage FEMA expects in Livingston comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 189 claims here since 1978. 11 federal disasters brought FEMA money into town.

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

How exposed is Livingston?

34
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Livingston to be higher than in 34% of U.S. communities, mostly from inland flooding.

Inland flooding73%Heat waves7%Earthquakes5%Everything else15%
By hazard

What Livingston faces

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

Inland flooding

73% of expected damage
Above average · higher than 58% of U.S. places
Recorded about 3 times a year in the area

Heat waves

7% of expected damage
Well below average · higher than 19% of U.S. places
Recorded about 9 times a year in the area

Earthquakes

5% of expected damage
Above average · higher than 62% of U.S. places

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesWildfireLandslidesStrong windLightning

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 Livingston flood?

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

189paid claims since 1978
$2.7Mpaid to owners
15homes flooded more than once
19782026

Biggest named events

  • Hurricane Floyd: 45 claims, $462K
  • Hurricane Irene: 31 claims, $416K
  • Hurricane Ida: 24 claims, $1.4M

Homes that flooded again and again

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

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

11 federal disasters brought FEMA money here

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

Brought FEMA money into LivingstonDeclared for Essex County only
2021

Remnants of Hurricane Ida

309 households applied for aid $941K aid approved $169K to the Township of Livingston for repairs
2020

Tropical Storm Isaias

$584K to the Township of Livingston for repairs
2018

Severe Winter Storm and Snowstorm

$709K to the Township of Livingston for repairs
2016

Severe Winter Storm and Snowstorm

$129K to the Township of Livingston for repairs
2012

Hurricane Sandy

257 households applied for aid $27K aid approved $582K to the Township of Livingston for repairs
2011

Severe Storm

$581K to the Township of Livingston for repairs
2011

Hurricane Irene

137 households applied for aid $328K aid approved $165K to the Township of Livingston for repairs
2010

Severe Winter Storm and Snowstorm

$77K to the Township of Livingston for repairs
2010

Severe Storms and Flooding

10 households applied for aid $16K aid approved $65K to the Township of Livingston for repairs
2007

Severe Storms and Inland and Coastal Flooding

11 households applied for aid $5K aid approved $9K to the Township of Livingston for repairs
1999

Hurricane Floyd Major Disaster Declarations

$77K to the Township of Livingston for repairs
Essex County has had 25 natural disasters declared since 1953, most often hurricanes and severe storms.
Around Livingston

Livingston and the towns around it

Florham Park: Low, mostly inland floodingEast Hanover: High, mostly inland floodingRoseland: Moderate, mostly inland floodingMillburn: Moderate, mostly inland floodingWest Orange: Low, mostly inland floodingMadison: Low, mostly inland floodingChatham: High, mostly inland floodingHanover: Low, mostly inland floodingParsippany-Troy Hills: High, mostly inland floodingMontville: Very high, mostly inland floodingWest Caldwell: Low, mostly inland floodingFairfield: Moderate, mostly inland floodingEssex Fells: Low, mostly inland floodingUnion: Low, mostly inland floodingSpringfield: High, mostly inland floodingSummit: Moderate, mostly inland floodingMaplewood: Low, mostly inland floodingCity of Orange: Moderate, mostly inland floodingMontclair: Low, mostly inland floodingSouth Orange Village: Moderate, mostly inland floodingVerona: Moderate, mostly inland floodingLivingston: Low, mostly inland flooding LivingstonFlorham ParkEast HanoverRoselandMillburnWest Orange
Very lowLowModerateHighVery high
East Hanovermostly inland floodingHigh
Millburnmostly inland floodingModerate
Roselandmostly inland floodingModerate
West Orangemostly inland floodingLow
Livingstonmostly inland floodingLow
Florham Parkmostly 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. Livingston covers 5 census tracts, combined by population.
Money that reached townFlood claims are matched to Livingston’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Livingston. 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 Livingston total about $9.9M 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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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/15 · 2025-01-01
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