Natural Disaster Risk — ZIP Code 07927
Cedar Knolls, New Jersey
Risk Summary for ZIP 07927
ZIP 07927 scores 7.4/10 (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
🏠 What this means for insurance
Above-average risk — check your policy limits
Standard homeowners insurance may not fully cover all hazards rated highly in this area. Verify that your policy includes adequate coverage for the top local hazards, and ask your insurer about specific endorsements or separate policies (e.g., flood, earthquake).
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: ZIP 07927, New Jersey
Located along the northeastern Atlantic Seaboard, ZIP 07927 serves the Cedar Knolls community. The humid subtropical climate of this part of New Jersey — bringing warm summers, cold winters, and significant coastal storm exposure — directly shapes the hazard exposure for properties in this postal area.
ZIP 07927's overall natural disaster risk is rated 7.4/10 (High) by FEMA's National Risk Index. Wind damage from severe weather systems tops the local risk profile, with open terrain and frequent storm activity amplifying exposure to destructive gusts. Secondary hazards include winter and cold wave.
Relative to other U.S. communities, ZIP 07927's natural disaster risk is well above the U.S. national average of 4.5/10, near the 7.4/10 state average. The hazard distribution here is led by wind and winter, as measured by FEMA across New Jersey. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
ZIP 07927's high risk designation reflects meaningful exposure to natural hazards. Residents should verify that their insurance covers the area's primary risks, prepare a family emergency plan, and stay informed about seasonal hazard peaks through local weather and emergency management services.
What this means for ZIP 07927: 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.
Risk for the surrounding area
Local Factors for ZIP 07927
These city-level factors differentiate ZIP 07927 from other communities in New Jersey County and provide geographic context for its hazard exposure.
Population
4,882
Small TownGeographic Zone
Atlantic Coast
Hurricane, nor'easter & coastal flood risk
Climate Band
Moderate Continental
Latitude 40.8°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 3.9/10
Coordinates
40.8209° N, 74.4548° W
Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.
Recent Climate Data for ZIP 07927
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
Nearby ZIP codes
Other cities in New Jersey
Data source: FEMA National Risk Index (NRI). County-level data applied to ZIP codes within each county. Scores are normalized to 1–10 across all US counties. This information is for general awareness only — consult official emergency management resources and a licensed insurer for property-specific advice.