Photo: Tim Kiser (w:User:Malepheasant) · CC BY-SA 2.5FEMA expects less hazard damage per building in Millville than in 74% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Millville gets a B+ for hazard risk: lower expected damage per building than 74% of U.S. towns, #83 of 468 in New Jersey. Most of that expected damage is river and rain flooding (51%), then hurricanes (33%). Flood insurance has paid 29 claims here since 1979.
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 Millville’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Millville 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 Millville’s grade
River and rain flooding is 51% of the building damage FEMA expects in Millville, and Millville’s rate of river and rain flooding damage is lower than 82% of U.S. census tracts. Next is hurricanes at 33% (higher than 86% of U.S. census tracts).
B+ #83 of 468 in New Jersey; lower expected damage per building than 74% of U.S. towns (21,298).
Millville’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, Millville has less expected damage per building than 82% of New Jersey towns.
In dollars, FEMA expects about $7.3M a year in losses across Millville: $5.3M to buildings, the rest to people and crops.
Does Millville flood? Sometimes: 29 flood claims since 1979
Every paid claim on a federal flood insurance policy in Millville, from FEMA’s records: 2.4 per 1,000 homes, fewer than 57% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Irene4 claims · $15K
- The April 2007 nor’easter3 claims · $19K
- The December Storm - nor’easter2 claims · $21K
Millville isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Cumberland County.12 federal disasters brought FEMA money to Millville
Disasters that paid out in Millville itself (aid to households or repair grants to the City of Millville), newest first, with that year’s flood claims.
- 2020Tropical Storm Isaias$11K to the City of Millville for repairs
- 2016Severe Winter Storm and Snowstorm$18K to the City of Millville for repairs
- 2012Hurricane Sandy93 households applied for aid$125K aid approved$168K to the City of Millville for repairs2 flood claims paid for it, $88K
- 2012Severe Storms and Straight-line Winds$209K to the City of Millville for repairs
- 2011Hurricane Irene343 households applied for aid$237K aid approved$150K to the City of Millville for repairs4 flood claims paid for it, $15K
- 2011Severe Storms and Flooding$5K to the City of Millville for repairs
Show all 12
- 2010Severe Winter Storm and Snowstorm$44K to the City of Millville for repairs
- 2010Severe Storms and Flooding157 households applied for aid$154K aid approved$85K to the City of Millville for repairs
- 2010Severe Winter Storm and Snowstorm$63K to the City of Millville for repairs
- 2009Snowstorm$85K to the City of Millville for repairs2 flood claims paid that year
- 2006Severe Storms, Flooding, and Mudslides$5K to the City of Millville for repairs
- 2003Snow$8K to the City of Millville for repairs1 flood claim paid that year
Cumberland County has had 23 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 Millville after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Millville archive →Millville and its neighbors
Millville is 3rd 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 |
|---|---|---|---|
| Deerfield Township | Aless damage than 90% | river and rain flooding | 6 |
| Vineland | A−less damage than 84% | river and rain flooding | 44 |
| Millville | B+less damage than 74% | river and rain flooding | 29 |
| Maurice River Township | Cmore damage than 70% | coastal flooding | 124 |
| Lawrence Township | C−more damage than 76% | coastal flooding | 211 |
| Commercial Township | Dmore damage than 87% | coastal flooding | 24 |
| Downe Township | D−among the highest damage | coastal flooding | 428 |
| Laurel Lake | — | 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 Millville 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 Millville
Is Millville at risk for natural disasters?
On FEMA’s National Risk Index, Millville has lower expected damage per building than 74% of U.S. towns: B+ for hazard risk, #83 of 468 in New Jersey. Most of the expected damage is river and rain flooding (51%) and hurricanes (33%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Millville flood?
Flood insurance has paid 29 claims in Millville since 1979, $252K in all, or 2.4 per 1,000 homes, fewer than 57% of U.S. towns with a flood insurance record. 4 properties have flooded more than once. The most claims came from Hurricane Irene (4).
Is Millville 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 Cumberland County, 27% of homes in mapped flood zones carry federal flood insurance, and 0.9% of all homes do.
How much is flood insurance in Millville?
FEMA’s Community Rating System list shows no discount for Millville’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 Millville?
By FEMA money that reached Millville, Hurricane Irene (2011): 343 households applied for aid, $237K approved, and $150K to the City of Millville for repairs. By flood claims, Hurricane Irene: 4 paid, $15K.
Is Millville at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (51%), and Millville’s rate for it is lower than 82% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Millville.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Millville’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.