Natural hazards · Roxbury

Roxbury, NJ natural hazards

Most of the natural-hazard damage FEMA expects in Roxbury comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 20 claims here since 1980. 11 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Roxbury?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Roxbury to be higher than in 23% of U.S. communities, mostly from inland flooding.

Inland flooding66%Cold waves11%Everything else24%

By hazard

What Roxbury 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

Below average · higher than 46% of U.S. places

Recorded about 4 times a year in the area

Cold waves

11% of expected damage

Below average · higher than 29% of U.S. places

Recorded about once a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

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 Roxbury flood?

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

20paid claims since 1980

$100Kpaid to owners

0homes flooded more than once

19802026

Biggest named events

Hurricane Irene: 4 claims, $40K
Hurricane Isaias: 1 claim, $7K

of all homes
are insured

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

Insurance rates: Morris County.

Disasters that hit Roxbury

11 federal disasters brought FEMA money here

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

Brought FEMA money into RoxburyDeclared for Morris County only

2021

Severe Winter Storm and Snowstorm

$209K to the Township of Roxbury for repairs

2020

Tropical Storm Isaias

$145K to the Township of Roxbury for repairs

2018

Severe Winter Storm and Snowstorm

$158K to the Township of Roxbury for repairs

2016

Severe Winter Storm and Snowstorm

$129K to the Township of Roxbury for repairs

2012

Hurricane Sandy

$313K to the Township of Roxbury for repairs

2011

Severe Storm

$192K to the Township of Roxbury for repairs

2011

Hurricane Irene

$118K to the Township of Roxbury for repairs

2010

Severe Winter Storm and Snowstorm

$58K to the Township of Roxbury for repairs

2010

Severe Storms and Flooding

$29K to the Township of Roxbury for repairs

2000

Severe Storms, Flooding and Mudslides

$11K to the Township of Roxbury for repairs

1999

Hurricane Floyd Major Disaster Declarations

$14K to the Township of Roxbury for repairs

Morris County has had 26 natural disasters declared since 1953, most often severe storms and hurricanes.

Around Roxbury

Roxbury and the towns around it

Very lowLowModerateHighVery high

Byrammostly inland floodingModerate

Chestermostly inland floodingModerate

Mount Olivemostly inland floodingLow

Jeffersonmostly inland floodingLow

Whartonmostly inland floodingLow

Randolphmostly inland floodingLow

Roxburymostly inland floodingLow

Hopatcongmostly cold wavesLow

Stanhopemostly cold wavesLow

Mine Hillmostly inland floodingLow

Mount Arlingtonmostly inland floodingVery low

Netcongmostly inland floodingVery low

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. Roxbury covers 5 census tracts, combined by population.

Money that reached townFlood claims are matched to Roxbury’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Roxbury. 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 Roxbury total about $6.3M 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.