Chew-Powell House · Photo: Smallbones · CC0On FEMA’s figures, Gloucester Township faces less hazard damage per building than 87% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Gloucester Township gets an A for hazard risk: lower expected damage per building than 87% of U.S. towns, #37 of 468 in New Jersey. Most of that expected damage is river and rain flooding (78%). Flood insurance has paid 11 claims here since 1989.
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 Gloucester 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
Earthquakes
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 Gloucester Township’s grade
River and rain flooding is 78% of the building damage FEMA expects in Gloucester Township, and Gloucester Township’s rate of river and rain flooding damage is lower than 68% of U.S. census tracts. Next is hurricanes at 7% (higher than 68% of U.S. census tracts).
A #37 of 468 in New Jersey; lower expected damage per building than 87% of U.S. towns (21,298).
Gloucester Township’s residents live in 14 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, Gloucester Township has less expected damage per building than 92% of New Jersey towns.
In dollars, FEMA expects about $11.3M a year in losses across Gloucester Township: $8.1M to buildings, the rest to people and crops.
Does Gloucester Township flood? Sometimes: 11 flood claims since 1989
Every paid claim on a federal flood insurance policy in Gloucester Township, from FEMA’s records: 0.4 per 1,000 homes, fewer than 92% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Irene4 claims · $27K
- Hurricane Sandy1 claim · $52K
- The April 2007 nor’easter1 claim · $2K
Gloucester 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: Camden County.8 federal disasters brought FEMA money to Gloucester Township
Disasters that paid out in Gloucester Township itself (aid to households or repair grants to Gloucester Township), newest first, with that year’s flood claims.
- 2016Severe Winter Storm and Snowstorm$457K to Gloucester Township for repairs
- 2015Severe Storm$1.2M to Gloucester Township for repairs
- 2012Hurricane Sandy$131K to Gloucester Township for repairs1 flood claim paid for it, $52K
- 2011Hurricane Irene1 households applied for aid$59K to Gloucester Township for repairs4 flood claims paid for it, $27K
- 2010Severe Winter Storm and Snowstorm$292K to Gloucester Township for repairs2 flood claims paid that year
- 2009Snowstorm$367K to Gloucester Township for repairs
Show all 8
- 2007Severe Storms and Inland and Coastal Flooding$32K to Gloucester Township for repairs1 flood claim paid that year
- 2004Severe Storms and Flooding$96K to Gloucester Township for repairs
Camden County has had 17 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.
Old photos of Gloucester Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Gloucester Township archive →Gloucester Township and its neighbors
Gloucester Township is 4th of the 7 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 |
|---|---|---|---|
| Washington Township | Aless damage than 94% | river and rain flooding | 190 |
| Pine Hill | Aless damage than 92% | river and rain flooding | 6 |
| Deptford Township | Aless damage than 91% | river and rain flooding | 12 |
| Gloucester Township | Aless damage than 87% | river and rain flooding | 11 |
| Runnemede | Aless damage than 87% | river and rain flooding | 2 |
| Stratford | Aless damage than 85% | river and rain flooding | 1 |
| Lindenwold | A−less damage than 75% | river and rain flooding | 2 |
| Sicklerville | — | a Census area inside a town; graded with the town | |
| Glendora | — | a Census area inside a town; graded with the town | |
| Grenloch | — | 666 residents; we grade 1,000+ | |
| Turnersville | — | 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 Gloucester 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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 Gloucester Township
Is Gloucester Township at risk for natural disasters?
On FEMA’s National Risk Index, Gloucester Township has lower expected damage per building than 87% of U.S. towns: A for hazard risk, #37 of 468 in New Jersey. Most of the expected damage is river and rain flooding (78%) and hurricanes (7%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Gloucester Township flood?
Flood insurance has paid 11 claims in Gloucester Township since 1989, $108K in all, or 0.4 per 1,000 homes, fewer than 92% of U.S. towns with a flood insurance record. 1 properties have flooded more than once. The most claims came from Hurricane Irene (4).
Is Gloucester 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 Camden County, 34% of homes in mapped flood zones carry federal flood insurance, and 0.9% of all homes do.
How much is flood insurance in Gloucester Township?
FEMA’s Community Rating System list shows no discount for Gloucester 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 Gloucester Township?
By FEMA money that reached Gloucester Township, Severe Storm (2015): $1.2M to Gloucester Township for repairs. By flood claims, Hurricane Irene: 4 paid, $27K.
Is Gloucester Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (78%), and Gloucester Township’s rate for it is lower than 68% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Gloucester Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Gloucester 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.