Natural hazards · Upper Deerfield

Upper Deerfield, NJ natural hazards

Most of the natural-hazard damage FEMA expects in Upper Deerfield comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 3 claims here since 2003. 8 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Upper Deerfield?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Upper Deerfield to be higher than in 11% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding28%Hurricanes24%Cold waves12%Drought10%Earthquakes6%Heat waves5%Everything else16%

By hazard

What Upper Deerfield faces

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

Inland flooding

28% of expected damage

Well below average · higher than 6% of U.S. places

Recorded about 2 times a year in the area

Hurricanes

24% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about once every 11 years in the area

Cold waves

12% of expected damage

Below average · higher than 41% of U.S. places

Recorded about once a year in the area

Drought

10% of expected damage

Recorded about 9 times a year in the area

Earthquakes

6% of expected damage

Above average · higher than 63% of U.S. places

Heat waves

5% of expected damage

Well below average · higher than 7% of U.S. places

Recorded about 5 times a year in the area

Lower here

Coastal floodingTornadoesHailIce stormsWinter weatherWildfireLandslidesLightning

Not a risk here

AvalanchesTsunamisVolcanic 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 Upper Deerfield flood?

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

3paid claims since 2003

$47Kpaid to owners

0homes flooded more than once

20032026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Cumberland County.

Disasters that hit Upper Deerfield

8 federal disasters brought FEMA money here

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

Brought FEMA money into Upper DeerfieldDeclared for Cumberland County only

2016

Severe Winter Storm and Snowstorm

$8K to the Township of Upper Deerfield for repairs

2012

Hurricane Sandy

$10K to the Township of Upper Deerfield for repairs

2012

Severe Storms and Straight-Line Winds

$17K to the Township of Upper Deerfield for repairs

2011

Hurricane Irene

$287K to the Township of Upper Deerfield for repairs

2011

Severe Storms and Flooding

$3K to the Township of Upper Deerfield for repairs

2010

Severe Winter Storm and Snowstorm

$63K to the Township of Upper Deerfield for repairs

2010

Severe Storms and Flooding

1 household applied for aid $729 aid approved

2009

Snowstorm

$19K to the Township of Upper Deerfield for repairs

Cumberland County has had 24 natural disasters declared since 1953, most often hurricanes and severe storms.

Around Upper Deerfield

Upper Deerfield and the towns around it

Very lowLowModerateHighVery high

Fairfieldmostly inland floodingLow

Pittsgrovemostly inland floodingVery low

Bridgetonmostly inland floodingVery low

Deerfieldmostly hurricanesVery low

Hopewellmostly inland floodingVery low

Upper Deerfieldmostly 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. Upper Deerfield covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Upper Deerfield’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Upper Deerfield. 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 Upper Deerfield total about $2.2M 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.