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Natural hazards · New Providence

New Providence, NJ natural hazards

Most of the natural-hazard damage FEMA expects in New Providence comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 65 claims here since 1978. 9 federal disasters brought FEMA money into town.

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

How exposed is New Providence?

76
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in New Providence to be higher than in 76% of U.S. communities, mostly from inland flooding.

Inland flooding86%Everything else14%
By hazard

What New Providence faces

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

Inland flooding

86% of expected damage
Well above average · higher than 92% of U.S. places
Recorded about 3 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong 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 New Providence flood?

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

65paid claims since 1978
$1.1Mpaid to owners
9homes flooded more than once
19782026

Biggest named events

  • Hurricane Irene: 17 claims, $210K
  • Hurricane Ida: 9 claims, $271K
  • 2025 July NYC Metro Area Flooding: 7 claims, $375K

Homes that flooded again and again

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

of homes in flood zones
are insured
of all homes
are insured
No community discount. New Providence isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Union County.
Disasters that hit New Providence

9 federal disasters brought FEMA money here

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

Brought FEMA money into New ProvidenceDeclared for Union County only
2021

Remnants of Hurricane Ida

79 households applied for aid $210K aid approved $1.1M to the Borough of New Providence for repairs
2016

Severe Winter Storm and Snowstorm

$69K to the Borough of New Providence for repairs
2012

Hurricane Sandy

89 households applied for aid $14K aid approved $254K to the Borough of New Providence for repairs
2011

Severe Storm

$267K to the Borough of New Providence for repairs
2011

Hurricane Irene

164 households applied for aid $306K aid approved $588K to the Borough of New Providence for repairs
2010

Severe Winter Storm and Snowstorm

$54K to the Borough of New Providence for repairs
2010

Severe Storms and Flooding

11 households applied for aid $16K aid approved
2007

Severe Storms and Inland and Coastal Flooding

13 households applied for aid $7K aid approved $15K to the Borough of New Providence for repairs
1999

Hurricane Floyd Major Disaster Declarations

$163K to the Borough of New Providence for repairs
Union County has had 22 natural disasters declared since 1953, most often hurricanes and severe storms.
Around New Providence

New Providence and the towns around it

Chatham: High, mostly inland floodingBerkeley Heights: Moderate, mostly inland floodingSummit: Moderate, mostly inland floodingMadison: Low, mostly inland floodingChatham: High, mostly inland floodingHarding: Moderate, mostly inland floodingLong Hill: High, mostly inland floodingWatchung: High, mostly inland floodingScotch Plains: High, mostly inland floodingMountainside: Low, mostly inland floodingWarren: Moderate, mostly inland floodingMillburn: Moderate, mostly inland floodingSpringfield: High, mostly inland floodingNew Providence: High, mostly inland flooding New ProvidenceChathamBerkeley HeightsSummit
Very lowLowModerateHighVery high
New Providencemostly inland floodingHigh
Chathammostly inland floodingHigh
Berkeley Heightsmostly inland floodingModerate
Summitmostly 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. New Providence covers 3 census tracts, combined by population.
Money that reached townFlood claims are matched to New Providence’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Borough of New Providence. 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 New Providence total about $7.0M 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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