Mountain Lakes, NJ natural hazards
Most of the natural-hazard damage FEMA expects in Mountain Lakes comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 4 claims here since 1990. 12 federal disasters brought FEMA money into town.
FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarationsHow exposed is Mountain Lakes?
FEMA expects yearly storm and flood damage to homes and buildings in Mountain Lakes to be higher than in 25% of U.S. communities, mostly from inland flooding.
What Mountain Lakes faces
Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.
Inland flooding
Cold waves
Lower here
Not a risk here
Does Mountain Lakes flood?
Every paid claim on a federal flood insurance policy in Mountain Lakes, from FEMA’s records.
Biggest named events
- Hurricane Floyd: 1 claim, $17K
are insured
12 federal disasters brought FEMA money here
Disasters the President declared that paid out in Mountain Lakes itself: aid to households, or repair grants to the Borough of Mountain Lakes.
Remnants of Hurricane Ida
Severe Winter Storm and Snowstorm
Tropical Storm Isaias
Severe Winter Storm and Snowstorm
Severe Winter Storm and Snowstorm
Hurricane Sandy
Severe Storm
Hurricane Irene
Severe Winter Storm and Snowstorm
Severe Storms and Flooding
Severe Storms and Inland and Coastal Flooding
Hurricane Floyd Major Disaster Declarations
Mountain Lakes and the towns around it
How to read this page
FEMA’s expected losses across Mountain Lakes total about $1.6M 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.