1,273 flood insurance claims·$31.9M paid·4 federal flood & hurricane disasters
Share of the whole county outline, rivers and lakes included; parts FEMA hasn’t mapped count as zero.
Shaded areas are FEMA’s mapped flood hazard zones in and around Warren County, New Jersey. Zoomed out they are simplified; at street level the map switches to FEMA’s exact layer. Tap anywhere to check that spot, or search an address above.
Flash flooding from severe summer thunderstorms dominates the flood profile of Warren County, which recorded 56 flash flood events alongside 22 general floods and 2 tropical storms over the last 30 years. Recent impacts include localized flash flooding from heavy rain totals reaching 2 to 5 inches on June 26, 2023, as well as storm activity on August 18, 2024, that produced damaging wind gusts alongside heavy precipitation, and a flash flood event driven by an approaching cold front on July 14, 2025.
National Flood Insurance Program records indicate that high-risk Zone A properties experience the highest volume of vulnerability, accounting for 88
Summary written from NOAA storm reports and NFIP claims for this county. Not a prediction.
23% of Warren County’s flood insurance claims were on properties rated outside FEMA’s high-risk zones.
1,145 NFIP claims with a recorded rated flood zone, 1978 to date. The zone is the one FEMA used to rate that policy, which may not match today’s map. Source: OpenFEMA NFIP claims.
In flood insurance claims here that reported a flood depth, the average was 26 inches.
Drawn to scale against an 80-inch door. Even a few inches soaks flooring, the bottom of the drywall and anything plugged in near the floor.
Average of the depths reported on claims (zero and implausible values left out); FEMA’s record doesn’t say exactly where each depth was measured. Source: OpenFEMA NFIP claims.
The worst year was 2005, with 273 claims and $10.5M paid, the year of Severe Storms and Flooding and Hurricane Katrina Evacuation.
Bar height is scaled by square root so ordinary years stay visible next to the worst one. NFIP claims by year of loss. Source: OpenFEMA.
14 NOAA storm reports from Warren County describe what happened, in the words of the forecasters who covered it. Read the New Jersey flood stories →
27 federal disaster declarations since 1965, 4 of them floods, coastal storms or hurricanes.
| Disaster | Began |
|---|---|
| Severe Storm And Flooding | Jul 14, 2023 |
| Remnants Of Hurricane Ida | Sep 1, 2021 |
| Severe Winter Storm And Snowstorm | Jan 31, 2021 |
| Severe Winter Storm And Snowstorm | Jan 22, 2016 |
| Hurricane Sandy | Oct 26, 2012 |
| Severe Storm | Oct 29, 2011 |
| Remnants Of Tropical Storm Lee | Sep 28, 2011 |
| Hurricane Irene | Aug 27, 2011 |
Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.
80 since 1996: 56 flash floods and 22 river or area floods.
| Event | Date | Damage |
|---|---|---|
| Flash Flood | Jul 14, 2025 | — |
| Flash Flood | Jul 3, 2025 | — |
| Flash Flood | Aug 18, 2024 | — |
| Flash Flood | Jun 26, 2023 | — |
| Flash Flood | Jul 16, 2023 | — |
| Flash Flood | Jul 14, 2023 | — |
| Flash Flood | Aug 22, 2021 | — |
| Flash Flood | Sep 8, 2021 | — |
— = no damage estimate in the record. Source: NOAA Storm Events Database.
Flash Flood · Jul 14, 2025. An approaching cold front sparked off showers and thunderstorms across the forecast area. Flash flooding resulted.
Flash Flood · Jul 3, 2025. A cold front, moving through the region, was responsible for heavy rain and flash flooding.
Flash Flood · Aug 18, 2024. Waves of showers and thunderstorms ahead of a cold front produced widespread showers and thunderstorms. A few storms produced damaging wind gusts, knocking down trees and power lines across portions of New Jersey.
Flash Flood · Jun 26, 2023. Thunderstorms produced locally heavy rain in northern New Jersey from the late afternoon into the nighttime hours of June 26. Rainfall totals were as high as 2 to 5 inches.
National Weather Service narratives, lightly trimmed. Source: NOAA Storm Events Database.
Every colour on the map above is a place on this drawing: where the ground sits relative to the flood FEMA plans for.
If a building in Warren County is in a high-risk zone (A or V) and its mortgage comes from a federally regulated or insured lender, or is federally backed, flood insurance is required.
Outside those zones it is optional, and often worth having: from 2014 to 2024 nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area. Since Risk Rating 2.0, NFIP premiums are set for each building, so the only reliable price is a quote: FloodSmart.gov or a local agent.