Natural Disaster Risk in Highland Park
New Jersey
Risk Summary for Highland Park
Highland Park scores 8.2/10 (Very High risk), above the U.S. average of 4.5. The leading hazard is Strong Wind.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
π What this means for insurance
High-risk area β review your coverage carefully
Properties in very high-risk areas often require specialized coverage that standard homeowners policies do not include. Consider flood insurance through the NFIP, wildfire-specific endorsements, or earthquake riders depending on your top hazards. Premiums in these areas can be significantly higher than average.
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: Highland Park, New Jersey
Located along the northeastern Atlantic Seaboard in Middlesex County, Highland Park is a city of approximately 15,121 residents. The humid subtropical climate that characterizes this part of New Jersey β marked by warm summers, cold winters, and significant coastal storm exposure β directly influences the types and severity of natural hazards present, making Highland Park a community where hazard awareness has real practical value.
FEMA rates Highland Park's composite natural disaster risk at 8.2 out of 10 β very high risk. High-wind events from severe thunderstorms and derechos are the leading hazard, with damaging gusts capable of downing trees and causing widespread structural damage. Residents should also account for winter and ice storm risk in their preparedness planning.
Relative to other U.S. communities, Highland Park's natural disaster risk is well above the U.S. national average of 4.5/10, slightly above the 7.4/10 state average. The hazard distribution here is led by wind and winter, as measured by FEMA across Middlesex County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
Given Highland Park's very high risk classification, residents should treat disaster preparedness as a year-round priority. This means maintaining updated homeowners and flood insurance, building a 72-hour emergency kit, knowing the evacuation routes for the primary hazards, and signing up for local emergency alert systems.
What this means for Highland Park: Strong Wind preparedness
- Secure or store outdoor furniture and loose objects that can become projectiles.
- Confirm your policy covers wind damage and keep an inventory of property for claims.
- Inspect and reinforce roofing, siding, and garage doors, which are common failure points in high winds.
Local Factors for Highland Park
These city-level factors differentiate Highland Park from other communities in Middlesex County and provide geographic context for its hazard exposure.
Population
15,121
SuburbanGeographic Zone
Atlantic Coast
Hurricane, nor'easter & coastal flood risk
Climate Band
Moderate Continental
Latitude 40.5Β°
Flood Terrain
Minimal β county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate β seasonal fire risk
Fire score: 8.2/10
Coordinates
40.5006Β° N, 74.4283Β° W
Middlesex County
Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.
Recent Climate Data for Highland Park
Last 12 months Β· Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Highland Park
Other cities in New Jersey
Data source: FEMA National Risk Index (NRI). Scores normalized to 1β10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.