Photo: SnowFire · CC BY 4.0Galloway Township’s building-damage rate from strong wind is in the top 1% of U.S. census tracts
On FEMA’s National Risk Index, Galloway Township gets a C+ for hazard risk: higher expected damage per building than 59% of U.S. towns, #258 of 468 in New Jersey. Most of that expected damage is river and rain flooding (41%), then hurricanes (29%). Flood insurance has paid 72 claims here since 1980.
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 Galloway Township’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Galloway 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 Galloway Township’s grade
River and rain flooding is 41% of the building damage FEMA expects in Galloway Township, and Galloway Township’s rate of river and rain flooding damage is lower than 72% of U.S. census tracts. Strong wind adds 14%, at a rate in the top 1% of U.S. census tracts.
C+ #258 of 468 in New Jersey; higher expected damage per building than 59% of U.S. towns (21,298).
Galloway Township’s residents live in 7 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, Galloway Township has more expected damage per building than 55% of New Jersey towns.
In dollars, FEMA expects about $13.6M a year in losses across Galloway Township: $11.7M to buildings, the rest to people and crops.
Does Galloway Township flood? Sometimes: 72 flood claims since 1980
Every paid claim on a federal flood insurance policy in Galloway Township, from FEMA’s records: 4.9 per 1,000 homes, more than 59% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Sandy21 claims · $1.0M
- The December Storm - nor’easter14 claims · $123K
- The “Halloween” storm2 claims · $6K
Galloway 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 Galloway Township
Disasters that paid out in Galloway Township itself (aid to households or repair grants to Galloway Township), newest first, with that year’s flood claims.
- 2020Tropical Storm Isaias$119K to Galloway Township for repairs
- 2016Severe Winter Storm and Snowstorm$34K to Galloway Township for repairs
- 2012Hurricane Sandy554 households applied for aid$222K aid approved$245K to Galloway Township for repairs21 flood claims paid for it, $1.0M
- 2012Severe Storms and Straight-line Winds$165K to Galloway Township for repairs
- 2011Hurricane Irene252 households applied for aid$62K aid approved$49K to Galloway Township for repairs
- 2010Severe Winter Storm and Snowstorm$71K to Galloway Township for repairs
Show all 10
- 2010Severe Storms and Flooding155 households applied for aid$188K aid approved$62K to Galloway Township for repairs
- 2010Severe Winter Storm and Snowstorm$87K to Galloway Township for repairs
- 2009Snowstorm$70K to Galloway Township for repairs
- 2007Severe Storms and Inland and Coastal Flooding$886 to Galloway 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 Galloway Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Galloway Township archive →Galloway Township and its neighbors
Galloway Township is 3rd 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 |
|---|---|---|---|
| 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 |
| Bass River Township | C+more damage than 60% | river and rain flooding | 55 |
| Little Egg Harbor Township | Cmore damage than 70% | river and rain flooding | 3,837 |
| Port Republic | C−more damage than 83% | river and rain flooding | 60 |
| Atlantic City | Dmore damage than 88% | river and rain flooding | 5,161 |
| Brigantine | Dmore damage than 89% | river and rain flooding | 3,546 |
| Pomona | — | a Census area inside a town; graded with the town | |
| Washington Township | — | 489 residents; we grade 1,000+ | |
| Smithville | — | 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 Galloway 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 Galloway Township
Is Galloway Township at risk for natural disasters?
On FEMA’s National Risk Index, Galloway Township has higher expected damage per building than 59% of U.S. towns: C+ for hazard risk, #258 of 468 in New Jersey. Most of the expected damage is river and rain flooding (41%) and hurricanes (29%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Galloway Township flood?
Flood insurance has paid 72 claims in Galloway Township since 1980, $1.5M in all, or 4.9 per 1,000 homes, more than 59% of U.S. towns with a flood insurance record. 12 properties have flooded more than once. The most claims came from Hurricane Sandy (21).
Is Galloway 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 Galloway Township?
FEMA’s Community Rating System list shows no discount for Galloway 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 Galloway Township?
By FEMA money that reached Galloway Township, Hurricane Sandy (2012): 554 households applied for aid, $222K approved, and $245K to Galloway Township for repairs. By flood claims, Hurricane Sandy: 21 paid, $1.0M.
Is Galloway Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (41%), and Galloway Township’s rate for it is lower than 72% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Galloway Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Galloway 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.