Natural hazards · Old Tappan

Old Tappan, NJ natural hazards

Most of the natural-hazard damage FEMA expects in Old Tappan comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 27 claims here since 1978. 10 federal disasters brought FEMA money into town.

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

How exposed is Old Tappan?

29
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Old Tappan to be higher than in 29% of U.S. communities, mostly from inland flooding.

Inland flooding75%Earthquakes7%Hurricanes7%Everything else12%
By hazard

What Old Tappan faces

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

Inland flooding

75% of expected damage
Above average · higher than 50% of U.S. places
Recorded about 6 times a year in the area

Earthquakes

7% of expected damage
Above average · higher than 65% of U.S. places

Hurricanes

7% of expected damage
Above average · higher than 71% of U.S. places
Recorded about once every 7 years in the area

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 Old Tappan flood?

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

27paid claims since 1978
$576Kpaid to owners
3homes flooded more than once
19782026

Biggest named events

  • Hurricane Irene: 3 claims, $275K
  • Late winter storms: 3 claims, $88K
  • Hurricane Ida: 2 claims, $33K

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. Old Tappan 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 Old Tappan

10 federal disasters brought FEMA money here

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

Brought FEMA money into Old TappanDeclared for Bergen County only
2021

Remnants of Hurricane Ida

31 households applied for aid $117K aid approved $273K to the Borough of Old Tappan for repairs
2020

Tropical Storm Isaias

$176K to the Borough of Old Tappan for repairs
2016

Severe Winter Storm and Snowstorm

$23K to the Borough of Old Tappan for repairs
2012

Hurricane Sandy

15 households applied for aid $1K aid approved $181K to the Borough of Old Tappan for repairs
2011

Severe Storm

$87K to the Borough of Old Tappan for repairs
2011

Hurricane Irene

18 households applied for aid $28K aid approved $41K to the Borough of Old Tappan for repairs
2010

Severe Winter Storm and Snowstorm

$22K to the Borough of Old Tappan for repairs
2010

Severe Storms and Flooding

10 households applied for aid $5K aid approved $33K to the Borough of Old Tappan for repairs
2007

Severe Storms and Inland and Coastal Flooding

8 households applied for aid $5K aid approved $14K to the Borough of Old Tappan for repairs
1999

Hurricane Floyd Major Disaster Declarations

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

Old Tappan and the towns around it

River Vale: Moderate, mostly inland floodingNorthvale: Low, mostly inland floodingHarrington Park: Moderate, mostly inland floodingWestwood: High, mostly inland floodingHillsdale: Moderate, mostly inland floodingPark Ridge: Low, mostly inland floodingEmerson: Low, mostly inland floodingMontvale: Very low, mostly inland floodingNorwood: Low, mostly inland floodingRockleigh: Low, mostly inland floodingCloster: Low, mostly inland floodingOld Tappan: Low, mostly inland flooding Old TappanRiver ValeNorthvaleHarrington Park
Very lowLowModerateHighVery high
River Valemostly inland floodingModerate
Harrington Parkmostly inland floodingModerate
Old Tappanmostly inland floodingLow
Northvalemostly 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. Old Tappan covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Old Tappan’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Borough of Old Tappan. 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 Old Tappan total about $2.1M 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01