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Natural hazards · Montvale

Montvale, NJ natural hazards

Most of the natural-hazard damage FEMA expects in Montvale comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 10 claims here since 1979. 10 federal disasters brought FEMA money into town.

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

How exposed is Montvale?

19
Very low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Montvale to be higher than in 19% of U.S. communities, mostly from inland flooding.

Inland flooding73%Hurricanes7%Earthquakes7%Everything else14%
By hazard

What Montvale faces

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

Inland flooding

73% of expected damage
Below average · higher than 37% of U.S. places
Recorded about 6 times a year in the area

Hurricanes

7% of expected damage
Above average · higher than 69% of U.S. places
Recorded about once every 9 years in the area

Earthquakes

7% of expected damage
Above average · higher than 62% of U.S. places

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Montvale flood?

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

10paid claims since 1979
$47Kpaid to owners
0homes flooded more than once
19792026

Biggest named events

  • Hurricane Floyd: 1 claim, $527
  • April 2007 Nor'easter: 1 claim, $4K
  • Not a named storm: 1 claim, $2K
of homes in flood zones
are insured
of all homes
are insured
No community discount. Montvale isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Bergen County.
Disasters that hit Montvale

10 federal disasters brought FEMA money here

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

Brought FEMA money into MontvaleDeclared for Bergen County only
2021

Remnants of Hurricane Ida

33 households applied for aid $57K aid approved $83K to the Borough of Montvale for repairs
2020

Tropical Storm Isaias

$42K to the Borough of Montvale for repairs
2018

Severe Winter Storm and Snowstorm

$43K to the Borough of Montvale for repairs
2012

Hurricane Sandy

32 households applied for aid $3K aid approved $115K to the Borough of Montvale for repairs
2011

Severe Storm

$87K to the Borough of Montvale for repairs
2011

Hurricane Irene

34 households applied for aid $42K aid approved $242K to the Borough of Montvale for repairs
2010

Severe Winter Storm and Snowstorm

$42K to the Borough of Montvale for repairs
2010

Severe Storms and Flooding

3 households applied for aid $5K aid approved $22K to the Borough of Montvale for repairs
2007

Severe Storms and Inland and Coastal Flooding

27 households applied for aid $35K aid approved $27K to the Borough of Montvale for repairs
1999

Hurricane Floyd Major Disaster Declarations

$268K to the Borough of Montvale for repairs
Bergen County has had 24 natural disasters declared since 1953, most often hurricanes and severe storms.
Around Montvale

Montvale and the towns around it

River Vale: Moderate, mostly inland floodingUpper Saddle River: Moderate, mostly inland floodingPark Ridge: Low, mostly inland floodingWoodcliff Lake: Very low, mostly inland floodingOld Tappan: Low, mostly inland floodingWestwood: High, mostly inland floodingHillsdale: Moderate, mostly inland floodingHarrington Park: Moderate, mostly inland floodingEmerson: Low, mostly inland floodingRamsey: Low, mostly inland floodingSaddle River: Low, mostly inland floodingMahwah: Low, mostly inland floodingMontvale: Very low, mostly inland flooding MontvaleRiver ValeUpper Saddle RiverPark RidgeWoodcliff Lake
Very lowLowModerateHighVery high
River Valemostly inland floodingModerate
Upper Saddle Rivermostly inland floodingModerate
Park Ridgemostly inland floodingLow
Montvalemostly inland floodingVery low
Woodcliff Lakemostly inland floodingVery low
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. Montvale covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Montvale’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Borough of Montvale. 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 Montvale total about $2.6M 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/18 · 2025-01-01
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