Camden County Courthouse · Photo: Ebyabe · CC BY-SA 3.0FEMA puts Woodbine’s expected hazard damage per building above that of 79% of U.S. towns, mostly from hurricanes
On FEMA’s National Risk Index, Woodbine gets a C− for hazard risk: higher expected damage per building than 79% of U.S. towns. Most of that expected damage is hurricanes (56%), then river and rain flooding (32%). Flood insurance has paid 5 claims here since 1997.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What Woodbine faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
Hurricanes
River and rain flooding
Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.
What’s behind Woodbine’s grade
Hurricanes are 56% of the building damage FEMA expects in Woodbine, and Woodbine’s rate of hurricanes damage is in the top 6% of U.S. census tracts. Coastal flooding adds 4%, at a rate in the top 3% of U.S. census tracts.
C− higher expected damage per building than 79% of U.S. towns (21,298).
All of Woodbine’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $529K a year in losses across Woodbine: $457K to buildings, the rest to people and crops.
Does Woodbine flood? Rarely: 5 flood claims since 1997
Every paid claim on a federal flood insurance policy in Woodbine, from FEMA’s records: 7.4 per 1,000 homes, more than 68% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Irma2 claims · $7K
Woodbine isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Camden County.2 federal disasters brought FEMA money to Woodbine
Disasters that paid out in Woodbine itself (aid to households or repair grants to the City of Woodbine), newest first, with that year’s flood claims.
- 2024Hurricane Helene267 households applied for aid$229K aid approved
- 2017Hurricane Irma586 households applied for aid$229K aid approved2 flood claims paid for it, $7K
Camden County has had 14 natural disasters declared by the President since 1953, most often hurricanes and tropical storms, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Woodbine after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Woodbine archive →Get ready for what Woodbine faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- The season runs June through November and peaks from mid-August to mid-October.
- Bring in porch furniture and anything the wind can throw.
- Fill the gas tank and charge phones before the storm arrives.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Woodbine
Is Woodbine at risk for natural disasters?
On FEMA’s National Risk Index, Woodbine has higher expected damage per building than 79% of U.S. towns: C− for hazard risk. Most of the expected damage is hurricanes (56%) and river and rain flooding (32%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Woodbine flood?
Flood insurance has paid 5 claims in Woodbine since 1997, $23K in all, or 7.4 per 1,000 homes, more than 68% of U.S. towns with a flood insurance record. 1 properties have flooded more than once. The most claims came from Hurricane Irma (2).
Is Woodbine in a flood zone?
Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Camden County, 75% of homes in mapped flood zones carry federal flood insurance, and 14.9% of all homes do.
How much is flood insurance in Woodbine?
FEMA’s Community Rating System list shows no discount for Woodbine’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Woodbine?
By FEMA money that reached Woodbine, Hurricane Helene (2024): 267 households applied for aid, $229K approved. By flood claims, Hurricane Irma: 2 paid, $7K.
Is Woodbine at risk from hurricanes?
It is the largest share of the building damage FEMA expects here (56%), and Woodbine’s rate for it is in the top 6% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Woodbine.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Woodbine’s residents lived in the 2020 census; OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.