Mold Inspection in Clifton, Where the Records Are Passaic County's
A report citing the wrong county's paperwork is a report a lender can wave away. Yours cites Clifton's own records and names the office the question belongs to.
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Tell us what you can see or smell, roughly where in the house it is, and which side of the building that wall is on. Direction usually tells us more than the size of the patch does, because it points at where the water arrived rather than where it ended up.
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Rainfall, not the river: reading the Clifton claim codes
Clifton is a Passaic County city, not an Essex County municipality, and it is the only one in this service area. Its flood hazard mapping comes from the Flood Insurance Study for Passaic County dated April 17, 2020, its hazard mitigation annex sits in the Passaic County plan rather than the Essex County plan, and its NFIP community number is 340398 against the 3401xx numbers used across Essex.
Source: Federal Emergency Management Agency, OpenFEMA NFIP Community Status Book, accessed 2026-09-21
Clifton has 167 paid federal flood insurance claims totaling about $7.84 million, an average near $47,000 a claim. Of those, 89 were rated in zone X, B or C, that is outside the Special Flood Hazard Area, against 43 rated in zone A or AE, and 101 of the 167 are coded as accumulation of rainfall or snowmelt rather than stream overflow.
Source: Federal Emergency Management Agency, OpenFEMA FIMA NFIP Redacted Claims v2, accessed 2026-09-21
Clifton city, the only Passaic County municipality in this service area, has 34,611 housing units, more than twice Montclair's total, with a median year built of 1951 and 10,813 units, 31.2 percent, built in 1939 or earlier. Some 69.1 percent of the stock predates 1960.
Source: United States Census Bureau, American Community Survey 2020-2024 five year estimates, accessed 2026-09-21
USGS elevation values sampled on a 163 point grid inside Clifton run from about 1 foot above sea level on the Passaic River edge to about 433 feet on the higher ground in the north of the city.
Source: United States Geological Survey, 3D Elevation Program point query service, accessed 2026-09-21
Why a Clifton report cites Passaic County, not Essex
Clifton is the one city we cover whose records sit in a different county system, and a report that gets that wrong is a report a lender or an insurer can wave away. Clifton's flood hazard mapping comes from the Flood Insurance Study for Passaic County dated April 17, 2020, its hazard mitigation annex sits inside the Passaic County plan rather than the Essex one, and its federal community number is 340398 against the 3401xx numbers used across Essex. The office to ask is the Clifton City Engineer.
What a Clifton survey covers in a 34,611 unit city
Being off the flood map is not protection in Clifton, because 89 of the city's 167 paid flood claims were rated zone X, B or C outside the Special Flood Hazard Area and 101 of the 167 are coded accumulation of rainfall or snowmelt rather than stream overflow. The building could also be almost anything, because this is the largest and most mixed housing market in the area at 34,611 units with a median year built of 1951 and 31.2 percent predating 1940, so the survey reads this building rather than a city average.
Which county's paperwork the report must cite
Clifton's flood mapping comes from the Passaic County Flood Insurance Study dated April 17, 2020, and its NFIP community number is 340398, not a 3401xx Essex number.
Whether the map says anything useful about you
89 of Clifton's 167 paid flood claims were rated outside the Special Flood Hazard Area, and 101 of the 167 were coded rainfall or snowmelt rather than stream overflow.
Which of Clifton's many buildings you own
Clifton has 34,611 housing units, more than twice Montclair's total, median year built 1951, with 31.2 percent built in 1939 or earlier.
Get a Clifton report that cites the right study
Send the neighborhood and the affected room, and say what the report has to satisfy.
What a Clifton report leads to
What Clifton owners ask before buying a survey
My contractor keeps quoting Essex County procedure. Does that apply to me?
Not in Clifton. This is a Passaic County city, the only one in this service area: its flood hazard mapping comes from the Flood Insurance Study for Passaic County dated April 17, 2020, its hazard mitigation annex sits in the Passaic County plan, and its federal community number is 340398 rather than the 3401xx numbers used across Essex. A contractor quoting Essex procedure has not checked.
I am not in a flood zone. Is a survey worth the money?
In Clifton the flood zone tells you less than usual. Of the city's 167 paid federal flood claims, 89 were rated in zone X, B or C outside the Special Flood Hazard Area, and 101 of the 167 were coded accumulation of rainfall or snowmelt rather than stream overflow. Rain falling on your own neighborhood is the dominant cause in the record.
Which neighborhood, and what you can see
We will say what a Clifton survey should cover and which office to put the question to.