Natural hazards · Milltown

Milltown, NJ natural hazards

Most of the natural-hazard damage FEMA expects in Milltown comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 27 claims here since 1978. 7 federal disasters brought FEMA money into town.

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

How exposed is Milltown?

80
Very high
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Milltown to be higher than in 80% of U.S. communities, mostly from inland flooding.

Inland flooding83%Everything else18%
By hazard

What Milltown faces

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

Inland flooding

83% of expected damage
Well above average · higher than 93% of U.S. places
Recorded about 3 times a year in the area

Lower here

Coastal floodingHurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

DroughtAvalanchesTsunamisVolcanic 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 Milltown flood?

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

27paid claims since 1978
$2.8Mpaid to owners
1homes flooded more than once
19782026

Biggest named events

  • Hurricane Irene: 8 claims, $1.4M
  • Hurricane Ida: 6 claims, $1.4M
  • April 2007 Nor'easter: 3 claims, $30K

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. Milltown isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Middlesex County.
Disasters that hit Milltown

7 federal disasters brought FEMA money here

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

Brought FEMA money into MilltownDeclared for Middlesex County only
2021

Remnants of Hurricane Ida

86 households applied for aid $149K aid approved $104K to the Borough of Milltown for repairs
2016

Severe Winter Storm and Snowstorm

$62K to the Borough of Milltown for repairs
2012

Hurricane Sandy

114 households applied for aid $2K aid approved $430K to the Borough of Milltown for repairs
2011

Hurricane Irene

216 households applied for aid $500K aid approved $453K to the Borough of Milltown for repairs
2010

Severe Winter Storm and Snowstorm

$15K to the Borough of Milltown for repairs
2010

Severe Storms and Flooding

11 households applied for aid $13K aid approved $27K to the Borough of Milltown for repairs
2007

Severe Storms and Inland and Coastal Flooding

140 households applied for aid $113K aid approved $47K to the Borough of Milltown for repairs
Middlesex County has had 23 natural disasters declared since 1953, most often hurricanes and severe storms.
Around Milltown

Milltown and the towns around it

East Brunswick: Moderate, mostly inland floodingNorth Brunswick: Moderate, mostly inland floodingSouth Brunswick: Low, mostly inland floodingOld Bridge: Moderate, mostly inland floodingSouth River: Moderate, mostly inland floodingSayreville: Low, mostly inland floodingNew Brunswick: High, mostly inland floodingSpotswood: High, mostly inland floodingEdison: Moderate, mostly inland floodingHelmetta: High, mostly inland floodingMonroe: Moderate, mostly inland floodingFranklin: Moderate, mostly inland floodingMilltown: Very high, mostly inland flooding MilltownEast BrunswickNorth Brunswick
Very lowLowModerateHighVery high
Milltownmostly inland floodingVery high
East Brunswickmostly inland floodingModerate
North Brunswickmostly 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. Milltown covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Milltown’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Borough of Milltown. 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 Milltown total about $3.3M 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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