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Natural hazards · Lopatcong

Lopatcong, NJ natural hazards

Most of the natural-hazard damage FEMA expects in Lopatcong comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 12 claims here since 2004. 8 federal disasters brought FEMA money into town.

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

How exposed is Lopatcong?

74
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lopatcong to be higher than in 74% of U.S. communities, mostly from inland flooding.

Inland flooding69%Cold waves14%Everything else17%
By hazard

What Lopatcong 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 89% of U.S. places
Recorded about 2 times a year in the area

Cold waves

14% 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 windLightningDrought

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 Lopatcong flood?

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

12paid claims since 2004
$840Kpaid to owners
1homes flooded more than once
20042026

Biggest named events

  • Torrential rain: 1 claim, $36K

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. Lopatcong 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 Lopatcong

8 federal disasters brought FEMA money here

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

Brought FEMA money into LopatcongDeclared for Warren County only
2023

Severe Storm and Flooding

$443K to the Township of Lopatcong for repairs
2021

Remnants of Hurricane Ida

1 household applied for aid
2021

Severe Winter Storm and Snowstorm

$50K to the Township of Lopatcong for repairs
2016

Severe Winter Storm and Snowstorm

$34K to the Township of Lopatcong for repairs
2012

Hurricane Sandy

$41K to the Township of Lopatcong for repairs
2011

Severe Storm

$41K to the Township of Lopatcong for repairs
2011

Hurricane Irene

$25K to the Township of Lopatcong for repairs
2004

Severe Storms and Flooding

$27K to the Township of Lopatcong for repairs
Warren County has had 21 natural disasters declared since 1953, most often severe storms and hurricanes.
Around Lopatcong

Lopatcong and the towns around it

Phillipsburg: Very high, mostly inland floodingGreenwich: High, mostly inland floodingHarmony: High, mostly inland floodingForks: Moderate, mostly inland floodingEaston: High, mostly inland floodingPohatcong: High, mostly inland floodingWilliams: Moderate, mostly inland floodingBloomsbury: Low, mostly inland floodingFranklin: Moderate, mostly inland floodingLower Mount Bethel: High, mostly inland floodingWhite: High, mostly inland floodingPalmer: Moderate, mostly inland floodingTatamy: High, mostly inland floodingStockertown: High, mostly inland floodingPlainfield: Very low, mostly inland floodingGlendon: Moderate, mostly inland floodingWilson: Moderate, mostly inland floodingLower Saucon: Low, mostly inland floodingBethlehem: Low, mostly inland floodingWest Easton: High, mostly inland floodingHolland: High, mostly inland floodingRiegelsville: High, mostly inland floodingBethlehem: Low, mostly inland floodingLopatcong: High, mostly inland flooding LopatcongPhillipsburgGreenwichHarmonyForksEastonPohatcong
Very lowLowModerateHighVery high
Phillipsburgmostly inland floodingVery high
Lopatcongmostly inland floodingHigh
Pohatcongmostly inland floodingHigh
Harmonymostly inland floodingHigh
Eastonmostly inland floodingHigh
Greenwichmostly inland floodingHigh
Forksmostly 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. Lopatcong covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Lopatcong’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Lopatcong. 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 Lopatcong total about $4.6M 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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