Egg Harbor Commercial Bank · Photo: Smallbones · CC0Egg Harbor City’s building-damage rate from strong wind is in the top 1% of U.S. census tracts
On FEMA’s National Risk Index, Egg Harbor City gets a B for hazard risk: lower expected damage per building than 56% of U.S. towns, #168 of 468 in New Jersey. Most of that expected damage is river and rain flooding (39%), then hurricanes (26%). Flood insurance has paid 12 claims here since 1978.
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 Egg Harbor City 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
Strong wind
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 Egg Harbor City’s grade
River and rain flooding is 39% of the building damage FEMA expects in Egg Harbor City, and Egg Harbor City’s rate of river and rain flooding damage is lower than 86% of U.S. census tracts. Strong wind adds 25%, at a rate in the top 1% of U.S. census tracts.
B #168 of 468 in New Jersey; lower expected damage per building than 56% of U.S. towns (21,298).
All of Egg Harbor City’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, Egg Harbor City has less expected damage per building than 64% of New Jersey towns.
In dollars, FEMA expects about $1.3M a year in losses across Egg Harbor City: $1.1M to buildings, the rest to people and crops.
Does Egg Harbor City flood? Sometimes: 12 flood claims since 1978
Every paid claim on a federal flood insurance policy in Egg Harbor City, from FEMA’s records: 6.0 per 1,000 homes, more than 64% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Sandy1 claim · $264K
- Hurricane Irene1 claim · $10K
- Hurricane Gloria1 claim · $2K
Egg Harbor City isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Atlantic County.3 federal disasters brought FEMA money to Egg Harbor City
Disasters that paid out in Egg Harbor City itself (aid to households or repair grants to the City of Egg Harbor City), newest first, with that year’s flood claims.
- 2012Hurricane Sandy159 households applied for aid$242K aid approved1 flood claim paid for it, $264K
- 2011Hurricane Irene127 households applied for aid$78K aid approved1 flood claim paid for it, $10K
- 2010Severe Storms and Flooding181 households applied for aid$225K aid approved1 flood claim paid that year
Atlantic County has had 28 natural disasters declared by the President since 1953, most often severe storms, then hurricanes and tropical 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 Egg Harbor City after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Egg Harbor City archive →Egg Harbor City and its neighbors
Egg Harbor City has the lowest expected damage per building of the 3 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Egg Harbor City | Bless damage than 56% | river and rain flooding | 12 |
| Galloway Township | C+more damage than 59% | river and rain flooding | 72 |
| Mullica Township | Cmore damage than 67% | river and rain flooding | 146 |
| Washington Township | — | 489 residents; we grade 1,000+ | |
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 Egg Harbor City 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.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- 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 Egg Harbor City
Is Egg Harbor City at risk for natural disasters?
On FEMA’s National Risk Index, Egg Harbor City has lower expected damage per building than 56% of U.S. towns: B for hazard risk, #168 of 468 in New Jersey. Most of the expected damage is river and rain flooding (39%) and hurricanes (26%). 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 Egg Harbor City flood?
Flood insurance has paid 12 claims in Egg Harbor City since 1978, $298K in all, or 6.0 per 1,000 homes, more than 64% of U.S. towns with a flood insurance record. The most claims came from Hurricane Sandy (1).
Is Egg Harbor City 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 Atlantic County, 94% of homes in mapped flood zones carry federal flood insurance, and 14.4% of all homes do.
How much is flood insurance in Egg Harbor City?
FEMA’s Community Rating System list shows no discount for Egg Harbor City’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 Egg Harbor City?
By FEMA money that reached Egg Harbor City, Hurricane Sandy (2012): 159 households applied for aid, $242K approved. By flood claims, Hurricane Sandy: 1 paid, $264K.
Is Egg Harbor City at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (39%), and Egg Harbor City’s rate for it is lower than 86% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Egg Harbor City.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Egg Harbor City’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.