Photo: Adam Moss · CC BY-SA 2.0FEMA puts Florence Township’s expected hazard damage per building above that of 86% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Florence Township gets a D for hazard risk: higher expected damage per building than 86% of U.S. towns, #411 of 468 in New Jersey. Most of that expected damage is river and rain flooding (86%). Flood insurance has paid 3 claims here since 2011.
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 Florence 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
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 Florence Township’s grade
River and rain flooding is 86% of the building damage FEMA expects in Florence Township, and Florence Township’s rate of river and rain flooding damage is in the top 8% of U.S. census tracts. Strong wind adds 4%, at a rate in the top 5% of U.S. census tracts.
D #411 of 468 in New Jersey; higher expected damage per building than 86% of U.S. towns (21,298).
Florence Township’s residents live in 3 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, Florence Township has more expected damage per building than 88% of New Jersey towns.
In dollars, FEMA expects about $5.9M a year in losses across Florence Township: $5.2M to buildings, the rest to people and crops.
Does Florence Township flood? Rarely: 3 flood claims since 2011
Every paid claim on a federal flood insurance policy in Florence Township, from FEMA’s records: 0.6 per 1,000 homes, fewer than 87% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Irene1 claim · $7K
Florence 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: Burlington County.7 federal disasters brought FEMA money to Florence Township
Disasters that paid out in Florence Township itself (aid to households or repair grants to Florence Township), newest first, with that year’s flood claims.
- 2016Severe Winter Storm and Snowstorm$57K to Florence Township for repairs
- 2012Hurricane Sandy23 households applied for aid$3K aid approved$89K to Florence Township for repairs
- 2011Hurricane Irene41 households applied for aid$54K aid approved$18K to Florence Township for repairs1 flood claim paid for it, $7K
- 2010Severe Winter Storm and Snowstorm$43K to Florence Township for repairs
- 2010Severe Winter Storm and Snowstorm$25K to Florence Township for repairs
- 2009Snowstorm$38K to Florence Township for repairs
Show all 7
- 2007Severe Storms and Inland and Coastal Flooding6 households applied for aid$14K aid approved$7K to Florence Township 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 Florence Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Florence Township archive →Florence Township and its neighbors
Florence Township is 8th of the 8 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 |
|---|---|---|---|
| Falls Township | B+less damage than 74% | river and rain flooding | 117 |
| Bristol Township | B−less damage than 52% | river and rain flooding | 292 |
| Springfield Township | B−more damage than 55% | river and rain flooding | 345 |
| Tullytown | C+more damage than 60% | river and rain flooding | 2 |
| Mansfield Township | Cmore damage than 67% | river and rain flooding | 29 |
| Bordentown Township | Cmore damage than 70% | river and rain flooding | 3 |
| Burlington Township | C−more damage than 80% | river and rain flooding | 29 |
| Florence Township | Dmore damage than 86% | river and rain flooding | 3 |
| Roebling | — | 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 Florence 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.
- 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 Florence Township
Is Florence Township at risk for natural disasters?
On FEMA’s National Risk Index, Florence Township has higher expected damage per building than 86% of U.S. towns: D for hazard risk, #411 of 468 in New Jersey. Most of the expected damage is river and rain flooding (86%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Florence Township flood?
Flood insurance has paid 3 claims in Florence Township since 2011, $28K in all, or 0.6 per 1,000 homes, fewer than 87% of U.S. towns with a flood insurance record. The most claims came from Hurricane Irene (1).
Is Florence 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 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 Florence Township?
FEMA’s Community Rating System list shows no discount for Florence 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 Florence Township?
By FEMA money that reached Florence Township, Hurricane Sandy (2012): 23 households applied for aid, $3K approved, and $89K to Florence Township for repairs. By flood claims, Hurricane Irene: 1 paid, $7K.
Is Florence Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (86%), and Florence Township’s rate for it is in the top 8% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Florence Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Florence 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.