Totowa, NJ natural hazards
Most of the natural-hazard damage FEMA expects in Totowa comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 475 claims here since 1979. 10 federal disasters brought FEMA money into town.
FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarationsHow exposed is Totowa?
FEMA expects yearly storm and flood damage to homes and buildings in Totowa to be higher than in 51% of U.S. communities, mostly from inland flooding.
What Totowa faces
Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.
Inland flooding
Earthquakes
Lower here
Not a risk here
Does Totowa flood?
Every paid claim on a federal flood insurance policy in Totowa, from FEMA’s records.
Biggest named events
- Hurricane Irene: 208 claims, $3.8M
- Hurricane Floyd: 83 claims, $1.5M
- Hurricane Ida: 46 claims, $1.1M
Homes that flooded again and again
■ FEMA “severe repetitive loss” (9) ■ flooded 2+ times
are insured
are insured
10 federal disasters brought FEMA money here
Disasters the President declared that paid out in Totowa itself: aid to households, or repair grants to the Borough of Totowa.
Remnants of Hurricane Ida
Severe Winter Storm and Snowstorm
Hurricane Sandy
Severe Storm
Hurricane Irene
Severe Winter Storm and Snowstorm
Severe Storms and Flooding
Severe Storms and Inland and Coastal Flooding
Severe Storms and Flooding
Hurricane Floyd Major Disaster Declarations
Totowa and the towns around it
How to read this page
FEMA’s expected losses across Totowa total about $4.4M 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.