Natural hazards · Oxford

Oxford, NJ natural hazards

Most of the natural-hazard damage FEMA expects in Oxford comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 3 claims here since 2023. 9 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Oxford?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Oxford to be higher than in 32% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding50%Cold waves24%Strong wind7%Hurricanes5%Everything else14%

By hazard

What Oxford faces

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

Inland flooding

50% of expected damage

Above average · higher than 52% of U.S. places

Recorded about 2 times a year in the area

Cold waves

24% of expected damage

Below average · higher than 33% of U.S. places

Recorded about once a year in the area

Strong wind

7% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about 6 times a year in the area

Hurricanes

5% of expected damage

Above average · higher than 73% of U.S. places

Recorded about once every 19 years in the area

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic 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 Oxford flood?

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

3paid claims since 2023

$48Kpaid to owners

0homes flooded more than once

20232026

of homes in flood zones
are insured

of all homes
are insured

No community discount. Oxford isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Warren County.

Disasters that hit Oxford

9 federal disasters brought FEMA money here

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

Brought FEMA money into OxfordDeclared for Warren County only

2023

Severe Storm and Flooding

$294K to the Township of Oxford for repairs

2021

Remnants of Hurricane Ida

8 households applied for aid $8K aid approved

2021

Severe Winter Storm and Snowstorm

$43K to the Township of Oxford for repairs

2016

Severe Winter Storm and Snowstorm

$18K to the Township of Oxford for repairs

2012

Hurricane Sandy

57 households applied for aid $21K aid approved $70K to the Township of Oxford for repairs

2011

Severe Storm

$6K to the Township of Oxford for repairs

2011

Hurricane Irene

43 households applied for aid $56K aid approved $16K to the Township of Oxford for repairs

2005

Severe Storms and Flooding

1 household applied for aid $346 aid approved

2004

Severe Storms and Flooding

3 households applied for aid $5K aid approved $6K to the Township of Oxford for repairs

Warren County has had 21 natural disasters declared since 1953, most often severe storms and hurricanes.

Around Oxford

Oxford and the towns around it

Very lowLowModerateHighVery high

Whitemostly inland floodingHigh

Washingtonmostly inland floodingModerate

Mansfieldmostly inland floodingLow

Oxfordmostly 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. Oxford covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Oxford’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Oxford. 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 Oxford total about $746K 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.