Natural hazards · White

White, NJ natural hazards

Most of the natural-hazard damage FEMA expects in White comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 49 claims here since 1989. 8 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is White?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in White to be higher than in 78% of U.S. communities, mostly from inland flooding.

Inland flooding76%Cold waves8%Everything else16%

By hazard

What White faces

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

Inland flooding

76% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about 2 times a year in the area

Cold waves

8% of expected damage

Below average · higher than 33% of U.S. places

Recorded about once a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDroughtAvalanches

Not a risk here

Coastal floodingTsunamisVolcanic 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 White flood?

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

49paid claims since 1989

$1.8Mpaid to owners

12homes flooded more than once

19892026

Biggest named events

Torrential rain: 1 claim, $31K
Hurricane Ida: 1 claim, $15K
Hurricane Irene: 1 claim, $15K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (4) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Warren County.

Disasters that hit White

8 federal disasters brought FEMA money here

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

Brought FEMA money into WhiteDeclared for Warren County only

2023

Severe Storm and Flooding

$421K to the Township of White for repairs

2021

Severe Winter Storm and Snowstorm

$35K to the Township of White for repairs

2016

Severe Winter Storm and Snowstorm

$18K to the Township of White for repairs

2012

Hurricane Sandy

$66K to the Township of White for repairs

2011

Severe Storm

$21K to the Township of White for repairs

2011

Hurricane Irene

$13K to the Township of White for repairs

2006

Severe Storms and Flooding

$5K to the Township of White for repairs

2004

Severe Storms and Flooding

$29K to the Township of White for repairs

Warren County has had 21 natural disasters declared since 1953, most often severe storms and hurricanes.

Around White

White and the towns around it

Very lowLowModerateHighVery high

Belvideremostly inland floodingVery high

Lower Mount Bethelmostly inland floodingHigh

Whitemostly inland floodingHigh

Harmonymostly inland floodingHigh

Hopemostly inland floodingModerate

Knowltonmostly inland floodingModerate

Libertymostly inland floodingModerate

Upper Mount Bethelmostly inland floodingModerate

Oxfordmostly 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. White covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to White’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of White. 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 White total about $4.1M 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.