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Natural hazards · Prospect Park

Prospect Park, NJ natural hazards

Most of the natural-hazard damage FEMA expects in Prospect Park comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 2 claims here since 1999. 9 federal disasters brought FEMA money into town.

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

How exposed is Prospect Park?

67
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Prospect Park to be higher than in 67% of U.S. communities, mostly from inland flooding.

Inland flooding68%Heat waves6%Cold waves6%Strong wind6%Everything else14%
By hazard

What Prospect Park faces

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

Inland flooding

68% of expected damage
Well above average · higher than 86% of U.S. places
Recorded about 4 times a year in the area

Heat waves

6% of expected damage
Well below average · higher than 5% of U.S. places
Recorded about 9 times a year in the area

Cold waves

6% of expected damage
Well below average · higher than 22% of U.S. places
Recorded about once a year in the area

Strong wind

6% of expected damage
Above average · higher than 57% of U.S. places
Recorded about 6 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherEarthquakesLandslidesLightning

Not a risk here

Coastal floodingWildfireDroughtAvalanchesTsunamisVolcanic 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 Prospect Park flood?

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

2paid claims since 1999
$104Kpaid to owners
0homes flooded more than once
19992026

Biggest named events

  • Hurricane Irene: 1 claim, $97K
  • Hurricane Floyd: 1 claim, $7K
of homes in flood zones
are insured
of all homes
are insured
No community discount. Prospect Park isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Passaic County.
Disasters that hit Prospect Park

9 federal disasters brought FEMA money here

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

Brought FEMA money into Prospect ParkDeclared for Passaic County only
2021

Remnants of Hurricane Ida

70 households applied for aid $121K aid approved $3K to the Borough of Prospect Park for repairs
2018

Severe Winter Storm and Snowstorm

$22K to the Borough of Prospect Park for repairs
2012

Hurricane Sandy

203 households applied for aid $975 aid approved $60K to the Borough of Prospect Park for repairs
2011

Severe Storm

$4K to the Borough of Prospect Park for repairs
2011

Hurricane Irene

84 households applied for aid $97K aid approved $15K to the Borough of Prospect Park for repairs
2010

Severe Winter Storm and Snowstorm

$15K to the Borough of Prospect Park for repairs
2010

Severe Storms and Flooding

3 households applied for aid $15K aid approved $8K to the Borough of Prospect Park for repairs
2007

Severe Storms and Inland and Coastal Flooding

8 households applied for aid $3K aid approved
1999

Hurricane Floyd Major Disaster Declarations

$3K to the Borough of Prospect Park for repairs
Passaic County has had 22 natural disasters declared since 1953, most often severe storms and hurricanes.
Around Prospect Park

Prospect Park and the towns around it

Paterson: Moderate, mostly inland floodingHaledon: Very high, mostly inland floodingHawthorne: High, mostly inland floodingNorth Haledon: Low, mostly inland floodingFair Lawn: Moderate, mostly inland floodingElmwood Park: Moderate, mostly inland floodingWoodland Park: Moderate, mostly inland floodingClifton: Low, mostly inland floodingTotowa: Moderate, mostly inland floodingWayne: Moderate, mostly inland floodingGlen Rock: High, mostly inland floodingRidgewood: High, mostly inland floodingWyckoff: Low, mostly inland floodingFranklin Lakes: Low, mostly inland floodingProspect Park: High, mostly inland flooding Prospect ParkPatersonHaledonHawthorneNorth Haledon
Very lowLowModerateHighVery high
Haledonmostly inland floodingVery high
Hawthornemostly inland floodingHigh
Prospect Parkmostly inland floodingHigh
Patersonmostly inland floodingModerate
North Haledonmostly 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. Prospect Park covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Prospect Park’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Borough of Prospect Park. 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 Prospect Park total about $1.2M 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
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