Natural hazards · North Brunswick

North Brunswick, NJ natural hazards

Most of the natural-hazard damage FEMA expects in North Brunswick comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 20 claims here since 1980. 9 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is North Brunswick?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in North Brunswick to be higher than in 40% of U.S. communities, mostly from inland flooding.

Inland flooding66%Earthquakes8%Strong wind6%Everything else21%

By hazard

What North Brunswick faces

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

Inland flooding

66% of expected damage

Above average · higher than 56% of U.S. places

Recorded about 3 times a year in the area

Earthquakes

8% of expected damage

Above average · higher than 71% of U.S. places

Strong wind

6% of expected damage

Well above average · higher than 94% of U.S. places

Recorded about 7 times a year in the area

Lower here

Coastal floodingHurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireLandslidesLightningDrought

Not a risk here

AvalanchesTsunamisVolcanic 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 North Brunswick flood?

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

20paid claims since 1980

$165Kpaid to owners

2homes flooded more than once

19802026

Biggest named events

Hurricane Irene: 4 claims, $34K
April 2007 Nor'easter: 3 claims, $27K
Late winter storms: 2 claims, $7K

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. North Brunswick 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 North Brunswick

9 federal disasters brought FEMA money here

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

Brought FEMA money into North BrunswickDeclared for Middlesex County only

2021

Remnants of Hurricane Ida

475 households applied for aid $1.4M aid approved $13.4M to the Township of North Brunswick for repairs

2016

Severe Winter Storm and Snowstorm

$166K to the Township of North Brunswick for repairs

2012

Hurricane Sandy

742 households applied for aid $129K aid approved $481K to the Township of North Brunswick for repairs

2011

Severe Storm

$25K to the Township of North Brunswick for repairs

2011

Hurricane Irene

200 households applied for aid $476K aid approved $101K to the Township of North Brunswick for repairs

2010

Severe Winter Storm and Snowstorm

$102K to the Township of North Brunswick for repairs

2010

Severe Storms and Flooding

22 households applied for aid $25K aid approved $57K to the Township of North Brunswick for repairs

2007

Severe Storms and Inland and Coastal Flooding

48 households applied for aid $56K aid approved $38K to the Township of North Brunswick for repairs

1999

Hurricane Floyd Major Disaster Declarations

$54K to the Township of North Brunswick for repairs

Middlesex County has had 23 natural disasters declared since 1953, most often hurricanes and severe storms.

Around North Brunswick

North Brunswick and the towns around it

Very lowLowModerateHighVery high

Milltownmostly inland floodingVery high

New Brunswickmostly inland floodingHigh

Franklinmostly inland floodingModerate

East Brunswickmostly inland floodingModerate

North Brunswickmostly inland floodingModerate

South Brunswickmostly 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. North Brunswick covers 9 census tracts, combined by population.

Money that reached townFlood claims are matched to North Brunswick’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of North Brunswick. 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 North Brunswick total about $11.1M 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.