Photo: 2o46 · CC BY-SA 3.0Estell Manor’s building-damage rate from strong wind is in the top 1% of U.S. census tracts
On FEMA’s National Risk Index, Estell Manor gets a C+ for hazard risk: higher expected damage per building than 64% of U.S. towns. Most of that expected damage is river and rain flooding (48%), then hurricanes (21%). Flood insurance has paid 4 claims here since 1998.
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 Estell Manor 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
Wildfire
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 Estell Manor’s grade
River and rain flooding is 48% of the building damage FEMA expects in Estell Manor, and Estell Manor’s rate of river and rain flooding damage is lower than 59% of U.S. census tracts. Strong wind adds 20%, at a rate in the top 1% of U.S. census tracts.
C+ higher expected damage per building than 64% of U.S. towns (21,298).
All of Estell Manor’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $658K a year in losses across Estell Manor: $553K to buildings, the rest to people and crops.
Does Estell Manor flood? Rarely: 4 flood claims since 1998
Every paid claim on a federal flood insurance policy in Estell Manor, from FEMA’s records: 5.7 per 1,000 homes, more than 63% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Sandy1 claim · $15K
Estell Manor 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.4 federal disasters brought FEMA money to Estell Manor
Disasters that paid out in Estell Manor itself (aid to households or repair grants to the City of Estell Manor), newest first, with that year’s flood claims.
- 2016Severe Winter Storm and Snowstorm$5K to the City of Estell Manor for repairs
- 2012Hurricane Sandy5 households applied for aid$6K to the City of Estell Manor for repairs1 flood claim paid for it, $15K
- 2011Hurricane Irene10 households applied for aid$2K aid approved$5K to the City of Estell Manor for repairs
- 2010Severe Storms and Flooding48 households applied for aid$70K 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 Estell Manor after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Estell Manor archive →Estell Manor and its neighbors
Estell Manor is 4th of the 6 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 |
|---|---|---|---|
| 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 |
| Weymouth Township | C+more damage than 64% | river and rain flooding | 15 |
| Estell Manor | C+more damage than 64% | river and rain flooding | 4 |
| Upper Township | Cmore damage than 66% | river and rain flooding | 388 |
| Maurice River Township | Cmore damage than 70% | coastal flooding | 124 |
| Corbin City | — | 662 residents; we grade 1,000+ | |
| Dorothy | — | 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 Estell Manor 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.
- Clear dead leaves and brush within 5 feet of the house.
- Sign up for local alerts and know two ways out.
- Keep N95 masks for smoky days.
- 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 Estell Manor
Is Estell Manor at risk for natural disasters?
On FEMA’s National Risk Index, Estell Manor has higher expected damage per building than 64% of U.S. towns: C+ for hazard risk. Most of the expected damage is river and rain flooding (48%) and hurricanes (21%). 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 Estell Manor flood?
Flood insurance has paid 4 claims in Estell Manor since 1998, $33K in all, or 5.7 per 1,000 homes, more than 63% of U.S. towns with a flood insurance record. The most claims came from Hurricane Sandy (1).
Is Estell Manor 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 Estell Manor?
FEMA’s Community Rating System list shows no discount for Estell Manor’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 Estell Manor?
By FEMA money that reached Estell Manor, Severe Storms and Flooding (2010): 48 households applied for aid, $70K approved. By flood claims, Hurricane Sandy: 1 paid, $15K.
Is Estell Manor at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (48%), and Estell Manor’s rate for it is lower than 59% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Estell Manor.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Estell Manor’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.