Natural hazards · Stillwater

Stillwater, NJ natural hazards

Most of the natural-hazard damage FEMA expects in Stillwater comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 3 claims here since 2011. 9 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Stillwater?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Stillwater to be higher than in 50% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding53%Cold waves23%Strong wind15%Everything else9%

By hazard

What Stillwater faces

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

Inland flooding

53% of expected damage

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

Recorded about 2 times a year in the area

Cold waves

23% of expected damage

Below average · higher than 35% of U.S. places

Recorded about once a year in the area

Strong wind

15% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about 6 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightningAvalanches

Not a risk here

Coastal floodingDroughtTsunamisVolcanic 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 Stillwater flood?

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

3paid claims since 2011

$87Kpaid to owners

0homes flooded more than once

20112026

Biggest named events

Hurricane Irene: 3 claims, $87K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Sussex County.

Disasters that hit Stillwater

9 federal disasters brought FEMA money here

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

Brought FEMA money into StillwaterDeclared for Sussex County only

2021

Severe Winter Storm and Snowstorm

$27K to the Township of Stillwater for repairs

2020

Tropical Storm Isaias

$14K to the Township of Stillwater for repairs

2012

Hurricane Sandy

4 households applied for aid $500 aid approved $12K to the Township of Stillwater for repairs

2011

Severe Storm

$8K to the Township of Stillwater for repairs

2011

Remnants of Tropical Storm Lee

$9K to the Township of Stillwater for repairs

2011

Hurricane Irene

16 households applied for aid $20K aid approved $47K to the Township of Stillwater for repairs

2007

Severe Storms and Inland and Coastal Flooding

$9K to the Township of Stillwater for repairs

2005

Severe Storms and Flooding

2 households applied for aid $2K aid approved

2004

Severe Storms and Flooding

3 households applied for aid $12K aid approved $6K to the Township of Stillwater for repairs

Sussex County has had 22 natural disasters declared since 1953, most often severe storms and hurricanes.

Around Stillwater

Stillwater and the towns around it

Very lowLowModerateHighVery high

Walpackmostly inland floodingHigh

Hardwickmostly inland floodingModerate

Stillwatermostly inland floodingModerate

Hamptonmostly inland floodingLow

Fredonmostly inland floodingLow

Frelinghuysenmostly 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. Stillwater covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Stillwater’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Stillwater. 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 Stillwater total about $1.9M 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.