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Natural hazards · Montague

Montague, NJ natural hazards

Most of the natural-hazard damage FEMA expects in Montague comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 14 claims here since 1981. 8 federal disasters brought FEMA money into town.

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

How exposed is Montague?

74
High
vs. U.S. communities

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

Inland flooding62%Cold waves23%Strong wind9%Everything else7%
By hazard

What Montague faces

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

Inland flooding

62% of expected damage
Well above average · higher than 89% of U.S. places
Recorded about 2 times a year in the area

Cold waves

23% of expected damage
Below average · higher than 35% of U.S. places
Recorded about once a year in the area

Strong wind

9% of expected damage
Well above average · among the top 1% of U.S. places
Recorded about 4 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherHeat 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 Montague flood?

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

14paid claims since 1981
$181Kpaid to owners
3homes flooded more than once
19812026

Biggest named events

  • Hurricane Floyd: 1 claim, $2K

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

8 federal disasters brought FEMA money here

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

Brought FEMA money into MontagueDeclared for Sussex County only
2021

Severe Winter Storm and Snowstorm

$19K to the Township of Montague for repairs
2020

Tropical Storm Isaias

$7K to the Township of Montague for repairs
2012

Hurricane Sandy

61 households applied for aid $8K aid approved $29K to the Township of Montague for repairs
2011

Hurricane Irene

86 households applied for aid $218K aid approved $112K to the Township of Montague for repairs
2007

Severe Storms and Inland and Coastal Flooding

$4K to the Township of Montague for repairs
2006

Severe Storms and Flooding

$7K to the Township of Montague for repairs
2005

Severe Storms and Flooding

7 households applied for aid $10K aid approved
2004

Severe Storms and Flooding

3 households applied for aid $2K aid approved $5K to the Township of Montague for repairs
Sussex County has had 22 natural disasters declared since 1953, most often severe storms and hurricanes.
Around Montague

Montague and the towns around it

Westfall: Very high, mostly inland floodingDingman: Low, mostly inland floodingSandyston: High, mostly inland floodingWantage: Moderate, mostly inland floodingMilford: Very high, mostly inland floodingMilford: Very high, mostly inland floodingLumberland: Low, mostly inland floodingDeerpark: High, mostly inland floodingMatamoras: High, mostly inland floodingPort Jervis: Very high, mostly inland floodingShohola: Low, mostly inland floodingBlooming Grove: Very low, mostly inland floodingDelaware: Low, mostly inland floodingFrankford: Moderate, mostly inland floodingWalpack: High, mostly inland floodingVernon: Low, mostly inland floodingHardyston: Low, mostly inland floodingMontague: High, mostly inland flooding MontagueWestfallDingmanSandystonWantageMilfordMilford
Very lowLowModerateHighVery high
Westfallmostly inland floodingVery high
Milfordmostly inland floodingVery high
Milfordmostly inland floodingVery high
Montaguemostly inland floodingHigh
Sandystonmostly inland floodingHigh
Wantagemostly inland floodingModerate
Dingmanmostly 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. Montague covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Montague’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Montague. 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 Montague total about $1.9M 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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