Photo: U.S. Department of Defense Current Photos · Public domainFor strong wind, Egg Harbor Township’s building-damage rate is in the top 1% of U.S. census tracts
On FEMA’s National Risk Index, Egg Harbor Township gets a B− for hazard risk: higher expected damage per building than 54% of U.S. towns, #223 of 468 in New Jersey. Most of that expected damage is river and rain flooding (39%), then hurricanes (26%). Flood insurance has paid 778 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 stands out about Egg Harbor Township’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Egg Harbor Township 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
Coastal 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 Egg Harbor Township’s grade
River and rain flooding is 39% of the building damage FEMA expects in Egg Harbor Township, and Egg Harbor Township’s rate of river and rain flooding damage is lower than 80% of U.S. census tracts. Strong wind adds 21%, at a rate in the top 1% of U.S. census tracts.
B− #223 of 468 in New Jersey; higher expected damage per building than 54% of U.S. towns (21,298).
Egg Harbor Township’s residents live in 11 census tracts; FEMA’s figures are combined by where they live.
The typical New Jersey town has higher expected damage than 56% of U.S. towns; within the state, Egg Harbor Township has less expected damage per building than 52% of New Jersey towns.
In dollars, FEMA expects about $16.6M a year in losses across Egg Harbor Township: $14.4M to buildings, the rest to people and crops.
Does Egg Harbor Township flood? Yes: 778 flood claims since 1978
Every paid claim on a federal flood insurance policy in Egg Harbor Township, from FEMA’s records: 42.5 per 1,000 homes, more than 91% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Sandy310 claims · $21.2M
- The December Storm - nor’easter86 claims · $1.9M
- Hurricane Irene19 claims · $443K
Egg Harbor Township 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.10 federal disasters brought FEMA money to Egg Harbor Township
Disasters that paid out in Egg Harbor Township itself (aid to households or repair grants to Egg Harbor Township), newest first, with that year’s flood claims.
- 2020Tropical Storm Isaias$41K to Egg Harbor Township for repairs3 flood claims paid that year
- 2016Severe Winter Storm and Snowstorm$35K to Egg Harbor Township for repairs16 flood claims paid that year
- 2012Hurricane Sandy$2.0M to Egg Harbor Township for repairs310 flood claims paid for it, $21.2M
- 2012Severe Storms and Straight-line Winds$348K to Egg Harbor Township for repairs
- 2011Hurricane Irene1 households applied for aid$68K to Egg Harbor Township for repairs19 flood claims paid for it, $443K
- 2010Severe Winter Storm and Snowstorm$48K to Egg Harbor Township for repairs
Show all 10
- 2010Severe Storms and Flooding5 households applied for aid$4K aid approved$27K to Egg Harbor Township for repairs
- 2010Severe Winter Storm and Snowstorm$75K to Egg Harbor Township for repairs
- 2009Snowstorm$62K to Egg Harbor Township for repairs
- 2009Severe Storms and Flooding Associated with Tropical Depression Ida and a Nor'eas$300K to Egg Harbor Township for repairs
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 Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Egg Harbor Township archive →Egg Harbor Township and its neighbors
Egg Harbor Township is 2nd of the 9 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 |
|---|---|---|---|
| Northfield | B−more damage than 51% | river and rain flooding | 24 |
| Egg Harbor Township | B−more damage than 54% | river and rain flooding | 778 |
| Hamilton Township | B−more damage than 55% | river and rain flooding | 311 |
| Galloway Township | C+more damage than 59% | river and rain flooding | 72 |
| Estell Manor | C+more damage than 64% | river and rain flooding | 4 |
| Pleasantville | Cmore damage than 68% | river and rain flooding | 208 |
| Somers Point | Cmore damage than 70% | river and rain flooding | 268 |
| Linwood | Cmore damage than 74% | river and rain flooding | 59 |
| Margate City | Dmore damage than 91% | river and rain flooding | 2,669 |
| Pomona | — | a Census area inside a town; graded with the town | |
| Bargaintown | — | a Census area inside a town; graded with the town | |
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 Township 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.
- Know your evacuation zone and the way off the coast.
- Storm surge comes fast: leave when you’re told, not when the water arrives.
- Move cars to high ground before king tides and nor’easters.
- 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 Township
Is Egg Harbor Township at risk for natural disasters?
On FEMA’s National Risk Index, Egg Harbor Township has higher expected damage per building than 54% of U.S. towns: B− for hazard risk, #223 of 468 in New Jersey. Most of the expected damage is river and rain flooding (39%) and hurricanes (26%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Egg Harbor Township flood?
Flood insurance has paid 778 claims in Egg Harbor Township since 1978, $35.8M in all, or 42.5 per 1,000 homes, more than 91% of U.S. towns with a flood insurance record. 60 properties have flooded more than once. The most claims came from Hurricane Sandy (310).
Is Egg Harbor Township 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 Township?
FEMA’s Community Rating System list shows no discount for Egg Harbor Township’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 Township?
By FEMA money that reached Egg Harbor Township, Hurricane Sandy (2012): $2.0M to Egg Harbor Township for repairs. By flood claims, Hurricane Sandy: 310 paid, $21.2M.
Is Egg Harbor Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (39%), and Egg Harbor Township’s rate for it is lower than 80% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Egg Harbor Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Egg Harbor Township’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.