Natural hazards · Freehold

Freehold, PA natural hazards

Most of the natural-hazard damage FEMA expects in Freehold comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 1 claim here since 1986.

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

Expected damage

How exposed is Freehold?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Freehold to be higher than in 60% of U.S. communities, mostly from inland flooding.

Inland flooding81%Strong wind8%Everything else11%

By hazard

What Freehold faces

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

Inland flooding

81% of expected damage

Well above average · higher than 84% of U.S. places

Recorded about once a year in the area

Strong wind

8% of expected damage

Above average · higher than 68% of U.S. places

Recorded about 2 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Freehold flood?

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

1paid claims since 1986

$11Kpaid to owners

0homes flooded more than once

19862026

of homes in flood zones
are insured

of all homes
are insured

No community discount. Freehold 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 Freehold

Federal disasters declared here

None of the disasters declared for Warren County shows FEMA aid or repair money reaching Freehold itself in FEMA’s records.

Brought FEMA money into FreeholdDeclared for Warren County only

Warren County has had 8 natural disasters declared since 1953, most often hurricanes and severe storms.

Around Freehold

Freehold and the towns around it

Very lowLowModerateHighVery high

Pittsfieldmostly inland floodingVery high

Spring Creekmostly inland floodingVery high

Freeholdmostly inland floodingHigh

Sugar Grovemostly inland floodingHigh

Columbusmostly inland floodingHigh

Bear Lakemostly inland floodingHigh

Harmonymostly inland floodingModerate

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. Freehold covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Freehold’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Freehold. 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 Freehold total about $1.7M 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.