Property Atlas

County hazard profile

Morris, NJ

New Jersey · pop. 508,868 · FIPS 34027

Relatively Moderate
FEMA risk rating · RATING
Strong Wind
dominant hazard
$208M
modeled expected annual loss/yr

Expected annual loss · all 3,232 U.S. counties

near the national middle (64th percentile)

national median $15M/yr Morris $208M

A real dollar distribution: most counties sit far below a handful of high-exposure ones. A FEMA model of annual loss, not a record of disasters.

FEMA national percentile scores

FEMA/CDC score each county 0–100 against all others — the score is the national rank (RATING). Higher risk and vulnerability are worse; higher resilience is better.

FEMA risk indexRelatively Moderate 92.88/100
national median ~50 among the highest nationally
Social vulnerabilityVery Low 10.62/100
national median ~50 among the lowest nationally
Community resilienceVery High 89.47/100
national median ~50 higher than 89% of counties

Recorded · NFIP flood claims RECORDED

Realized flood losses in Morris

The National Flood Insurance Program has paid 9,460 flood-insurance claims totaling $201.0M in Morris since 1978. The costliest year was 2011 ($120.6M paid).

Flood-insurance dollars paid by year of loss

1978: $191,263 paid 1979: $1,462,357 paid 1980: $328,820 paid 1981: $124,627 paid 1982: $11,828 paid 1983: $491,320 paid 1984: $11,639,114 paid 1985: $10,462 paid 1986: $130 paid 1987: $441,994 paid 1989: $458,301 paid 1990: $52,339 paid 1991: $13,545 paid 1992: $315,390 paid 1993: $198,168 paid 1994: $77,457 paid 1995: $8,317 paid 1996: $2,822,790 paid 1997: $75,034 paid 1998: $188,457 paid 1999: $9,950,513 paid 2000: $2,238,550 paid 2001: $18,112 paid 2002: $175 paid 2003: $130,240 paid 2004: $69,809 paid 2005: $5,217,838 paid 2006: $137,237 paid 2007: $12,457,001 paid 2008: $107,157 paid 2009: $57,036 paid 2010: $21,018,800 paid 2011: $120,641,360 paid 2012: $1,265,146 paid 2013: $67,767 paid 2014: $21,504 paid 2015: $6,552 paid 2016: $0 paid 2017: $2,282 paid 2018: $7,350 paid 2019: $23,056 paid 2020: $65,004 paid 2021: $4,533,746 paid 2022: $4,621 paid 2023: $3,294,939 paid 2024: $768,899 paid 2025: $17,154 paid 2026: $0 paid 2011 · $120.6M 1978 2026
$201.0M
total paid
$21,251
average claim
$1.0M
largest single claim
85%
in high-risk flood zones (A/V)

RECORDED — these are actual paid NFIP claims (a redacted census from OpenFEMA), not a model. They are the realized counterpart to the FEMA risk score above: one is what happened and got paid, the other is what a model predicts.

Scope: these are flood-insurance claims, so they undercount flooding where owners were uninsured — read this as "what NFIP paid here," not "every flood." County-level totals, not a per-property or per-address verdict. Verify a specific address and buy coverage at FloodSmart.gov; the underlying data is OpenFEMA NFIP Redacted Claims.

What these figures mean

  • RATING — the FEMA risk score, expected loss, social vulnerability, and resilience are FEMA/CDC models, not records of disasters that happened. The 0–100 scores are already national percentiles.
  • MEASURED — population is a recorded census figure.
  • COMPUTED — the county's rank within the dollar-loss distribution is our placement over the 3,232 counties.
  • CONTEXT — the note below is framing, not a measurement.

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What this is — and is not

This is FEMA/CDC modeled hazard exposure for Morris, NJ and where it ranks among U.S. counties. It is not a verdict on whether Morris is a good or bad place to live — hazard exposure is not place quality, and a county can't opt out of its geography. It is not a per-property or per-address risk assessment, not a prediction of any specific disaster, and not insurance advice. For site-specific risk use a per-property assessment; for the underlying model see FEMA National Risk Index.