Photo: Saucemaster · CC BY-SA 3.0FEMA expects less hazard damage per building in Haddon Township than in 64% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Haddon Township gets a B for hazard risk: lower expected damage per building than 64% of U.S. towns, #127 of 468 in New Jersey. Most of that expected damage is river and rain flooding (82%). Flood insurance has paid 17 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 Haddon 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
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 Haddon Township’s grade
River and rain flooding is 82% of the building damage FEMA expects in Haddon Township, and Haddon Township’s rate of river and rain flooding damage is higher than 57% of U.S. census tracts. Next is earthquakes at 8% (higher than 69% of U.S. census tracts).
B #127 of 468 in New Jersey; lower expected damage per building than 64% of U.S. towns (21,298).
Haddon Township’s residents live in 5 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, Haddon Township has less expected damage per building than 73% of New Jersey towns.
In dollars, FEMA expects about $3.3M a year in losses across Haddon Township: $2.5M to buildings, the rest to people and crops.
Does Haddon Township flood? Sometimes: 17 flood claims since 1978
Every paid claim on a federal flood insurance policy in Haddon Township, from FEMA’s records: 2.3 per 1,000 homes, fewer than 58% of the 13,809 U.S. towns with a flood insurance record.
- The April 2007 nor’easter2 claims · $4K
- The Mid-spring storms1 claim · $12K
- The Torrential rain1 claim · $5K
Haddon 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 Haddon Township
Disasters that paid out in Haddon Township itself (aid to households or repair grants to Haddon Township), newest first, with that year’s flood claims.
- 2016Severe Winter Storm and Snowstorm$50K to Haddon Township for repairs
- 2015Severe Storm$69K to Haddon Township for repairs
- 2012Hurricane Sandy$116K to Haddon Township for repairs
- 2011Hurricane Irene$44K to Haddon Township for repairs
- 2010Severe Winter Storm and Snowstorm$34K to Haddon Township for repairs
- 2009Snowstorm$37K to Haddon Township for repairs
Show all 8
- 2007Severe Storms and Inland and Coastal Flooding$46K to Haddon Township for repairs3 flood claims paid that year
- 2004Severe Storms and Flooding$23K to Haddon Township for repairs1 flood claim paid that year
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 Haddon Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Haddon Township archive →Haddon Township and its neighbors
Haddon Township is 4th 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 |
|---|---|---|---|
| Audubon | A+less damage than 97% | river and rain flooding | 3 |
| Haddonfield | A−less damage than 80% | river and rain flooding | 23 |
| Oaklyn | A−less damage than 76% | river and rain flooding | 3 |
| Haddon Township | Bless damage than 64% | river and rain flooding | 17 |
| Mount Ephraim | Bless damage than 63% | river and rain flooding | 6 |
| Cherry Hill Township | Bless damage than 61% | river and rain flooding | 115 |
| Gloucester City | C+more damage than 57% | river and rain flooding | 21 |
| Collingswood | C+more damage than 62% | river and rain flooding | 34 |
| Camden | Cmore damage than 68% | river and rain flooding | 321 |
| Westmont | — | a Census area inside a town; graded with the town | |
| Golden Triangle | — | 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 Haddon 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.
- 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 Haddon Township
Is Haddon Township at risk for natural disasters?
On FEMA’s National Risk Index, Haddon Township has lower expected damage per building than 64% of U.S. towns: B for hazard risk, #127 of 468 in New Jersey. Most of the expected damage is river and rain flooding (82%) and earthquakes (8%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Haddon Township flood?
Flood insurance has paid 17 claims in Haddon Township since 1978, $164K in all, or 2.3 per 1,000 homes, fewer than 58% of U.S. towns with a flood insurance record. 4 properties have flooded more than once. The most claims came from April 2007 Nor'easter (2).
Is Haddon 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 Haddon Township?
FEMA’s Community Rating System list shows no discount for Haddon 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 Haddon Township?
By FEMA money that reached Haddon Township, Hurricane Sandy (2012): $116K to Haddon Township for repairs. By flood claims, April 2007 Nor'easter: 2 paid, $4K.
Is Haddon Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (82%), and Haddon Township’s rate for it is higher than 57% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Haddon Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Haddon 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.