Warren County, NJ flood risk explained
Flood hazard in Warren County sits at the 86.5th national percentile, a middling flood hazard by national standards; driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 2.3 times a year. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Mandatory flood insurance compliance in Warren County
Homes with a federally backed mortgage inside Warren County's mapped high-risk flood zone (the Special Flood Hazard Area, or SFHA) are legally required to carry an NFIP flood policy. In practice, 47% of them do — 302 active policies against 642 structures FEMA counts in that zone, leaving a real compliance gap. Looking beyond the mandated zone, 1.1% of all residential structures in Warren County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
How Warren County compares nationally
Among the 3144 US counties FEMA scores for flood hazard, Warren County ranks 446 — 1 being the highest hazard nationally — and 571 by population among all 3144 counties covered here, where 1 is the largest. Warren County, New Jersey covers 356.541 square miles and counts roughly 112,031 residents.
Checking a specific address in Warren County
Across all of Warren County's 34,797 residential structures, 374 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
Where Warren County's figures come from
Every figure on this page traces to a named FEMA dataset, documented in the methodology guide. If you're unsure why any of this insurance requirement exists at all, the SFHA explainer covers it from first principles.