Photo: Cashcow at en.wikipedia · CC BY-SA 3.0FEMA expects less hazard damage per building in Haddonfield than in 80% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Haddonfield gets an A− for hazard risk: lower expected damage per building than 80% of U.S. towns, #62 of 468 in New Jersey. Most of that expected damage is river and rain flooding (80%). Flood insurance has paid 23 claims here since 1994.
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 Haddonfield’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Haddonfield 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 Haddonfield’s grade
River and rain flooding is 80% of the building damage FEMA expects in Haddonfield, and Haddonfield’s rate of river and rain flooding damage is lower than 60% of U.S. census tracts. Next is earthquakes at 8% (higher than 69% of U.S. census tracts).
A− #62 of 468 in New Jersey; lower expected damage per building than 80% of U.S. towns (21,298).
Haddonfield’s residents live in 4 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, Haddonfield has less expected damage per building than 87% of New Jersey towns.
In dollars, FEMA expects about $3.4M a year in losses across Haddonfield: $2.7M to buildings, the rest to people and crops.
Does Haddonfield flood? Sometimes: 23 flood claims since 1994
Every paid claim on a federal flood insurance policy in Haddonfield, from FEMA’s records: 5.1 per 1,000 homes, more than 61% of the 13,809 U.S. towns with a flood insurance record.
- The March 2010 nor’easter2 claims · $15K
- Hurricane Irene1 claim · $23K
- The April 2007 nor’easter1 claim · $16K
Haddonfield 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 Haddonfield
Disasters that paid out in Haddonfield itself (aid to households or repair grants to the Borough of Haddonfield), newest first, with that year’s flood claims.
- 2016Severe Winter Storm and Snowstorm$21K to the Borough of Haddonfield for repairs
- 2015Severe Storm$65K to the Borough of Haddonfield for repairs
- 2012Hurricane Sandy5 households applied for aid$5K aid approved$87K to the Borough of Haddonfield for repairs
- 2011Hurricane Irene18 households applied for aid$15K aid approved$56K to the Borough of Haddonfield for repairs1 flood claim paid for it, $23K
- 2010Severe Winter Storm and Snowstorm$19K to the Borough of Haddonfield for repairs2 flood claims paid that year
- 2009Snowstorm$24K to the Borough of Haddonfield for repairs
Show all 8
- 2007Severe Storms and Inland and Coastal Flooding18 households applied for aid$12K aid approved1 flood claim paid that year
- 2004Severe Storms and Flooding11 households applied for aid$39K aid approved$24K to the Borough of Haddonfield 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 Haddonfield after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Haddonfield archive →Haddonfield and its neighbors
Haddonfield is 5th 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 |
|---|---|---|---|
| Haddon Heights | A+less damage than 98% | river and rain flooding | 8 |
| Audubon | A+less damage than 97% | river and rain flooding | 3 |
| Barrington | Aless damage than 95% | river and rain flooding | 1 |
| Lawnside | Aless damage than 88% | river and rain flooding | — |
| Haddonfield | A−less damage than 80% | river and rain flooding | 23 |
| Haddon Township | Bless damage than 64% | river and rain flooding | 17 |
| Cherry Hill Township | Bless damage than 61% | river and rain flooding | 115 |
| Ashland | — | a Census area inside a town; graded with the town | |
| Westmont | — | a Census area inside a town; graded with the town | |
| Tavistock | — | 4 residents; we grade 1,000+ | |
| 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 Haddonfield 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 Haddonfield
Is Haddonfield at risk for natural disasters?
On FEMA’s National Risk Index, Haddonfield has lower expected damage per building than 80% of U.S. towns: A− for hazard risk, #62 of 468 in New Jersey. Most of the expected damage is river and rain flooding (80%) and earthquakes (8%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Haddonfield flood?
Flood insurance has paid 23 claims in Haddonfield since 1994, $773K in all, or 5.1 per 1,000 homes, more than 61% of U.S. towns with a flood insurance record. 4 properties have flooded more than once. The most claims came from March 2010 Nor'easter (2).
Is Haddonfield 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 Haddonfield?
FEMA’s Community Rating System list shows no discount for Haddonfield’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 Haddonfield?
By FEMA money that reached Haddonfield, Hurricane Sandy (2012): 5 households applied for aid, $5K approved, and $87K to the Borough of Haddonfield for repairs. By flood claims, March 2010 Nor'easter: 2 paid, $15K.
Is Haddonfield at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (80%), and Haddonfield’s rate for it is lower than 60% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Haddonfield.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Haddonfield’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.