Upper Montclair is calmer than 93% of U.S. communities
Most of the natural-hazard damage FEMA expects in Upper Montclair comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 45 claims here since 1978.
What stands out about Upper Montclair’s weather risks
Read from FEMA’s records below. The page puts what stands out first.
How exposed is Upper Montclair?
FEMA expects yearly storm and flood damage to homes and buildings here to be higher than in 7% of U.S. communities, mostly from inland flooding.
Calmer than 555 of the 564 New Jersey towns we cover.
Upper Montclair covers 3 census tracts, combined by population.
The storms Upper Montclair remembers
None of the disasters declared for Essex County shows FEMA aid or repair money reaching Upper Montclair itself in FEMA’s records.
- 202114 flood claims paidThe most in any one year on record
Essex County has had 25 natural disasters declared since 1953, most often hurricanes and severe storms.
Old photos of Upper Montclair after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Upper Montclair archive →Upper Montclair and its neighbors
Upper Montclair has the lowest rating of the 4 towns around it. Tap a town to see its hazards.
| Town | Rating | Mostly | Flood claims |
|---|---|---|---|
| Cedar Grove | Moderate | inland flooding | 23 |
| Clifton | Low | inland flooding | 125 |
| Montclair | Low | inland flooding | 223 |
| Upper Montclair | Very low | inland flooding | 45 |
Rating = expected yearly storm and flood damage as a share of what’s there, vs. U.S. communities. Flood claims = paid federal flood insurance claims on record.
What Upper Montclair faces
Each hazard’s share of the damage FEMA expects here, and how it compares with the rest of the country.
Inland flooding
Heat waves
Hurricanes
Earthquakes
Tornadoes
Does Upper Montclair flood? Sometimes: 45 flood claims since 1978
Every paid claim on a federal flood insurance policy in Upper Montclair, from FEMA’s records.
- Hurricane Ida12 claims · $452K
- Hurricane Irene7 claims · $50K
- The April 2007 nor’easter4 claims · $28K
Upper Montclair isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Essex County.Get ready for what Upper Montclair actually faces
A short kit for its top hazards, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Know the nearest cooling center or air-conditioned library.
- Drink water before you feel thirsty.
- Check on neighbors who live alone.
- The season runs June through November and peaks from mid-August to mid-October.
- Bring in porch furniture and anything the wind can throw.
- Fill the gas tank and charge phones before the storm arrives.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Most disasters here begin in August–October
The month each of Essex County’s 25 declared disasters began, since 1953.
What these numbers can and can’t tell you
- An average, not a forecast. FEMA’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 there, so a big city isn’t rated riskier just for having more buildings.
- Money that reached town. Flood claims are matched to Upper Montclair’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Upper Montclair.
- It follows property value. FEMA’s model weighs damage to buildings, so a place that recently lost many homes can rate lower than it feels. Across Upper Montclair, expected losses total about $3.2M a year, counting buildings, people and crops.
Storm stories
Memories, warnings and help from neighbors in Upper Montclair.
Your answer becomes a post in Town Square.
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. Preparedness tips: Ready.gov. An average of past damage, not a forecast.