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 moderate for a U.S. community. Flood insurance has paid 88 claims here since 1978. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Millstone?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Millstone to be higher than in 58% of U.S. communities, mostly from inland flooding.

Inland flooding82%Everything else18%

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

82% of expected damage

Well above average · higher than 78% of U.S. places

Recorded about 6 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat 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 Millstone flood?

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

88paid claims since 1978

$4.0Mpaid to owners

16homes flooded more than once

19782026

Biggest named events

Hurricane Irene: 17 claims, $983K
April 2007 Nor'easter: 16 claims, $948K
Hurricane Floyd: 9 claims, $885K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (7) ■ flooded 2+ times

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: Somerset County.

What’s been done with FEMA grants

4homes raised above flood level

1flood-prone homes bought out and moved

1flood-prone properties bought out and cleared

Disasters that hit Millstone

3 federal disasters brought FEMA money here

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

Brought FEMA money into MillstoneDeclared for Somerset County only

2021

Remnants of Hurricane Ida

1 household applied for aid $31K aid approved

2011

Hurricane Irene

1 household applied for aid $2K aid approved

2010

Severe Storms and Flooding

1 household applied for aid $300 aid approved

Somerset County has had 23 natural disasters declared since 1953, most often severe storms and hurricanes.

Around Millstone

Millstone and the towns around it

Very lowLowModerateHighVery high

Millstonemostly inland floodingModerate

Franklinmostly inland floodingModerate

Hillsboroughmostly 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. Millstone covers 1 census tract, 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 Borough 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 $246K 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.