Photo: Bowlnmike · CC BY-SA 3.0On FEMA’s figures, Clementon faces less hazard damage per building than 66% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Clementon gets a B+ for hazard risk: lower expected damage per building than 66% of U.S. towns, #123 of 468 in New Jersey. Most of that expected damage is river and rain flooding (83%). Flood insurance has paid 5 claims here since 1996.
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 Clementon 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
Hurricanes
Earthquakes
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 Clementon’s grade
River and rain flooding is 83% of the building damage FEMA expects in Clementon, and Clementon’s rate of river and rain flooding damage is higher than 56% of U.S. census tracts. Next is hurricanes at 6% (higher than 70% of U.S. census tracts).
B+ #123 of 468 in New Jersey; lower expected damage per building than 66% of U.S. towns (21,298).
All of Clementon’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, Clementon has less expected damage per building than 74% of New Jersey towns.
In dollars, FEMA expects about $1.0M a year in losses across Clementon: $772K to buildings, the rest to people and crops.
Does Clementon flood? Rarely: 5 flood claims since 1996
Every paid claim on a federal flood insurance policy in Clementon, from FEMA’s records: 2.1 per 1,000 homes, fewer than 61% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Irene3 claims · $24K
- The April 2007 nor’easter1 claim · $959
Clementon 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.8 federal disasters brought FEMA money to Clementon
Disasters that paid out in Clementon itself (aid to households or repair grants to the Borough of Clementon), newest first, with that year’s flood claims.
- 2016Severe Winter Storm and Snowstorm$10K to the Borough of Clementon for repairs
- 2015Severe Storm$63K to the Borough of Clementon for repairs
- 2012Hurricane Sandy23 households applied for aid$8K aid approved$20K to the Borough of Clementon for repairs
- 2011Hurricane Irene112 households applied for aid$69K aid approved$4K to the Borough of Clementon for repairs3 flood claims paid for it, $24K
- 2010Severe Winter Storm and Snowstorm$9K to the Borough of Clementon for repairs
- 2009Snowstorm$7K to the Borough of Clementon for repairs
Show all 8
- 2007Severe Storms and Inland and Coastal Flooding7 households applied for aid$10K aid approved1 flood claim paid that year
- 2004Severe Storms and Flooding8 households applied for aid$19K aid approved
Camden County has had 17 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.
Old photos of Clementon after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Clementon archive →Clementon and its neighbors
Clementon is 3rd of the 3 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 |
|---|---|---|---|
| Pine Hill | Aless damage than 92% | river and rain flooding | 6 |
| Lindenwold | A−less damage than 75% | river and rain flooding | 2 |
| Clementon | B+less damage than 66% | river and rain flooding | 5 |
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 Clementon 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.
- 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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 Clementon
Is Clementon at risk for natural disasters?
On FEMA’s National Risk Index, Clementon has lower expected damage per building than 66% of U.S. towns: B+ for hazard risk, #123 of 468 in New Jersey. Most of the expected damage is river and rain flooding (83%) and hurricanes (6%). 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 Clementon flood?
Flood insurance has paid 5 claims in Clementon since 1996, $30K in all, or 2.1 per 1,000 homes, fewer than 61% of U.S. towns with a flood insurance record. The most claims came from Hurricane Irene (3).
Is Clementon 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, 34% of homes in mapped flood zones carry federal flood insurance, and 0.9% of all homes do.
How much is flood insurance in Clementon?
FEMA’s Community Rating System list shows no discount for Clementon’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 Clementon?
By FEMA money that reached Clementon, Hurricane Irene (2011): 112 households applied for aid, $69K approved, and $4K to the Borough of Clementon for repairs. By flood claims, Hurricane Irene: 3 paid, $24K.
Is Clementon at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (83%), and Clementon’s rate for it is higher than 56% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Clementon.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Clementon’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.