Natural Disaster Risk — ZIP Code 08848
Milford, New Jersey
Risk Summary for ZIP 08848
ZIP 08848 scores 6.4/10 (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 08848, New Jersey
Located along the northeastern Atlantic Seaboard, ZIP 08848 serves the Milford 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 08848's overall natural disaster risk is rated 6.4/10 (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 ice storm and winter.
Relative to other U.S. communities, ZIP 08848's natural disaster risk is above the U.S. national average of 4.5/10, slightly below the 7.4/10 state average. The hazard distribution here is led by wind and ice storm, as measured by FEMA across New Jersey. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
With a high natural disaster risk rating, ZIP 08848 residents benefit from taking preparedness seriously. Reviewing insurance coverage for wind and secondary hazards, registering for emergency alerts, and maintaining a household emergency kit are practical steps that can significantly reduce impact during a major event.
What this means for ZIP 08848: 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 08848
These city-level factors differentiate ZIP 08848 from other communities in New Jersey County and provide geographic context for its hazard exposure.
Population
8,134
Small TownGeographic Zone
Atlantic Coast
Hurricane, nor'easter & coastal flood risk
Climate Band
Moderate Continental
Latitude 40.6°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 3.6/10
Coordinates
40.5939° N, 75.0957° 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 08848
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.