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Natural hazards · Milford

Milford, NJ natural hazards

Most of the natural-hazard damage FEMA expects in Milford comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 38 claims here since 1984. 9 federal disasters brought FEMA money into town.

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

How exposed is Milford?

65
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Milford to be higher than in 65% of U.S. communities, mostly from inland flooding.

Inland flooding76%Strong wind8%Everything else16%
By hazard

What Milford faces

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

Inland flooding

76% of expected damage
Well above average · higher than 83% of U.S. places
Recorded about 3 times a year in the area

Strong wind

8% of expected damage
Well above average · higher than 97% of U.S. places
Recorded about 7 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat 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 Milford flood?

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

38paid claims since 1984
$697Kpaid to owners
3homes flooded more than once
19842026

Biggest named events

  • Hurricane Irene: 18 claims, $309K
  • Hurricane Ida: 8 claims, $256K
  • Hurricane Floyd: 1 claim, $4K

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. Milford 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 Milford

9 federal disasters brought FEMA money here

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

Brought FEMA money into MilfordDeclared for Hunterdon County only
2021

Remnants of Hurricane Ida

126 households applied for aid $375K aid approved $1.1M to the Borough of Milford for repairs
2016

Severe Winter Storm and Snowstorm

$6K to the Borough of Milford for repairs
2012

Hurricane Sandy

72 households applied for aid $3K aid approved $23K to the Borough of Milford for repairs
2011

Severe Storm

$6K to the Borough of Milford for repairs
2011

Remnants of Tropical Storm Lee

$7K to the Borough of Milford for repairs
2011

Hurricane Irene

129 households applied for aid $320K aid approved $162K to the Borough of Milford for repairs
2006

Severe Storms and Flooding

10 households applied for aid $7K aid approved
2005

Severe Storms and Flooding

11 households applied for aid $19K aid approved
2004

Severe Storms and Flooding

16 households applied for aid $37K aid approved $998 to the Borough of Milford for repairs
Hunterdon County has had 19 natural disasters declared since 1953, most often severe storms and hurricanes.
Around Milford

Milford and the towns around it

Holland: High, mostly inland floodingBridgeton: Very high, mostly inland floodingAlexandria: High, mostly inland floodingPohatcong: High, mostly inland floodingDurham: High, mostly inland floodingBethlehem: Low, mostly inland floodingRiegelsville: High, mostly inland floodingNockamixon: Low, mostly inland floodingTinicum: Moderate, mostly inland floodingUnion: Low, mostly inland floodingFrenchtown: High, mostly inland floodingFranklin: Low, mostly inland floodingKingwood: High, mostly inland floodingMilford: High, mostly inland flooding MilfordHollandBridgetonAlexandria
Very lowLowModerateHighVery high
Bridgetonmostly inland floodingVery high
Milfordmostly inland floodingHigh
Alexandriamostly inland floodingHigh
Hollandmostly inland floodingHigh
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. Milford is smaller than a census tract, so it shares the figures of the tract around its center.
Money that reached townFlood claims are matched to Milford’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Borough of Milford. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

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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