Photo: Adam Moss · CC BY-SA 2.0FEMA puts Beverly’s expected hazard damage per building above that of 93% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Beverly gets a D for hazard risk: higher expected damage per building than 93% of U.S. towns, #450 of 468 in New Jersey. Most of that expected damage is river and rain flooding (91%). Flood insurance has paid 1 claim here since 2006.
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 Beverly faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
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 Beverly’s grade
River and rain flooding is 91% of the building damage FEMA expects in Beverly, and Beverly’s rate of river and rain flooding damage is in the top 3% of U.S. census tracts. Strong wind adds 2%, at a rate in the top 5% of U.S. census tracts.
D #450 of 468 in New Jersey; higher expected damage per building than 93% of U.S. towns (21,298).
All of Beverly’s residents live in one census tract; the figures are that tract’s.
The typical New Jersey town has higher expected damage than 56% of U.S. towns; within the state, Beverly has more expected damage per building than 96% of New Jersey towns.
In dollars, FEMA expects about $1.3M a year in losses across Beverly: $1.2M to buildings, the rest to people and crops.
Does Beverly flood? Rarely: 1 flood claim since 2006
Every paid claim on a federal flood insurance policy in Beverly, from FEMA’s records: 1.1 per 1,000 homes, fewer than 76% of the 13,809 U.S. towns with a flood insurance record.
Beverly isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Burlington County.7 federal disasters brought FEMA money to Beverly
Disasters that paid out in Beverly itself (aid to households or repair grants to the City of Beverly), newest first, with that year’s flood claims.
- 2016Severe Winter Storm and Snowstorm$4K to the City of Beverly for repairs
- 2012Hurricane Sandy36 households applied for aid$11K aid approved$7K to the City of Beverly for repairs
- 2011Hurricane Irene88 households applied for aid$108K aid approved
- 2010Severe Winter Storm and Snowstorm$4K to the City of Beverly for repairs
- 2010Severe Winter Storm and Snowstorm$5K to the City of Beverly for repairs
- 2009Snowstorm$7K to the City of Beverly for repairs
Show all 7
- 2007Severe Storms and Inland and Coastal Flooding20 households applied for aid$20K aid approved$918 to the City of Beverly for repairs
Burlington County has had 22 natural disasters declared by the President since 1953, most often severe storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees; the 2001 World Trade Center declarations.
Also 1 FEMA wildfire suppression grant (Fire Management Assistance, not a disaster declaration) for fires in Burlington County, 2007–2007.
Old photos of Beverly after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Beverly archive →Beverly and its neighbors
Beverly is 4th of the 4 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Bensalem Township | B+less damage than 75% | river and rain flooding | 265 |
| Edgewater Park Township | Dmore damage than 88% | river and rain flooding | 7 |
| Delanco Township | Dmore damage than 91% | river and rain flooding | 11 |
| Beverly | Dmore damage than 93% | river and rain flooding | 1 |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Beverly faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- 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 Beverly
Is Beverly at risk for natural disasters?
On FEMA’s National Risk Index, Beverly has higher expected damage per building than 93% of U.S. towns: D for hazard risk, #450 of 468 in New Jersey. Most of the expected damage is river and rain flooding (91%). 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 Beverly flood?
Flood insurance has paid 1 claim in Beverly since 2006, $4K in all, or 1.1 per 1,000 homes, fewer than 76% of U.S. towns with a flood insurance record.
Is Beverly 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 Burlington County, 55% of homes in mapped flood zones carry federal flood insurance, and 2.2% of all homes do.
How much is flood insurance in Beverly?
FEMA’s Community Rating System list shows no discount for Beverly’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 Beverly?
By FEMA money that reached Beverly, Hurricane Irene (2011): 88 households applied for aid, $108K approved.
Is Beverly at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (91%), and Beverly’s rate for it is in the top 3% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Beverly.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Beverly’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.