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Natural hazards · Millstone

Millstone, NJ natural hazards

Most of the natural-hazard damage FEMA expects in Millstone comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 4 claims here since 1978. 6 federal disasters brought FEMA money into town.

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

How exposed is Millstone?

72
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Millstone to be higher than in 72% of U.S. communities, mostly from inland flooding and strong winds.

Inland flooding46%Strong wind33%Heat waves6%Everything else15%
By hazard

What Millstone faces

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

Inland flooding

46% of expected damage
Above average · higher than 65% of U.S. places
Recorded about 4 times a year in the area

Strong wind

33% of expected damage
Well above average · among the top 1% of U.S. places
Recorded about 7 times a year in the area

Heat waves

6% of expected damage
Well below average · higher than 5% of U.S. places
Recorded about 7 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold 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 Millstone flood?

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

4paid claims since 1978
$47Kpaid to owners
0homes flooded more than once
19782026

Biggest named events

  • Hurricane Irene: 2 claims, $42K
of homes in flood zones
are insured
of all homes
are insured
No community discount. Millstone isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Monmouth County.
Disasters that hit Millstone

6 federal disasters brought FEMA money here

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

Brought FEMA money into MillstoneDeclared for Monmouth County only
2020

Tropical Storm Isaias

$63K to the Township of Millstone for repairs
2016

Severe Winter Storm and Snowstorm

$47K to the Township of Millstone for repairs
2012

Hurricane Sandy

$973K to the Township of Millstone for repairs
2011

Hurricane Irene

$38K to the Township of Millstone for repairs
2010

Severe Winter Storm and Snowstorm

$39K to the Township of Millstone for repairs
2010

Severe Storms and Flooding

$3K to the Township of Millstone for repairs
Monmouth County has had 22 natural disasters declared since 1953, most often hurricanes and winter storms.
Around Millstone

Millstone and the towns around it

Upper Freehold: High, mostly inland floodingRoosevelt: High, mostly inland floodingManalapan: High, mostly inland floodingEast Windsor: Very high, mostly inland floodingMonroe: Moderate, mostly inland floodingRobbinsville: Low, mostly inland floodingAllentown: High, mostly inland floodingNorth Hanover: Low, mostly inland floodingHamilton: Moderate, mostly inland floodingMarlboro: High, mostly inland floodingFreehold: Moderate, mostly inland floodingCranbury: High, mostly inland floodingPlainsboro: Very high, mostly inland floodingWest Windsor: High, mostly inland floodingOld Bridge: Moderate, mostly inland floodingHelmetta: High, mostly inland floodingSpotswood: High, mostly inland floodingSouth Brunswick: Low, mostly inland floodingEast Brunswick: Moderate, mostly inland floodingMillstone: High, mostly inland flooding MillstoneUpper FreeholdRooseveltManalapanEast WindsorMonroeRobbinsville
Very lowLowModerateHighVery high
East Windsormostly inland floodingVery high
Manalapanmostly inland floodingHigh
Millstonemostly inland floodingHigh
Rooseveltmostly inland floodingHigh
Upper Freeholdmostly inland floodingHigh
Monroemostly inland floodingModerate
Robbinsvillemostly 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. Millstone covers 2 census tracts, combined by population.
Money that reached townFlood claims are matched to Millstone’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Millstone. 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 Millstone total about $8.4M 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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