Photo: Mr. Matté (if there is an issue with this image, contact me using this image's Commons talk page, my Commons user talk page, or my English Wikipedia user talk page; I'll know about it a lot faster) · CC BY-SA 4.0On FEMA’s figures, Mount Ephraim faces less hazard damage per building than 63% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Mount Ephraim gets a B for hazard risk: lower expected damage per building than 63% of U.S. towns, #135 of 468 in New Jersey. Most of that expected damage is river and rain flooding (81%). Flood insurance has paid 6 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 Mount Ephraim 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 Mount Ephraim’s grade
River and rain flooding is 81% of the building damage FEMA expects in Mount Ephraim, and Mount Ephraim’s rate of river and rain flooding damage is higher than 57% of U.S. census tracts. Coastal flooding adds 2%, at a rate in the top 6% of U.S. census tracts.
B #135 of 468 in New Jersey; lower expected damage per building than 63% of U.S. towns (21,298).
Mount Ephraim’s residents live in 2 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, Mount Ephraim has less expected damage per building than 71% of New Jersey towns.
In dollars, FEMA expects about $1.0M a year in losses across Mount Ephraim: $769K to buildings, the rest to people and crops.
Does Mount Ephraim flood? Rarely: 6 flood claims since 1978
Every paid claim on a federal flood insurance policy in Mount Ephraim, from FEMA’s records: 2.9 per 1,000 homes, fewer than 53% of the 13,809 U.S. towns with a flood insurance record.
- The March 2010 nor’easter1 claim · $20K
Mount Ephraim 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.7 federal disasters brought FEMA money to Mount Ephraim
Disasters that paid out in Mount Ephraim itself (aid to households or repair grants to the Borough of Mount Ephraim), newest first, with that year’s flood claims.
- 2016Severe Winter Storm and Snowstorm$14K to the Borough of Mount Ephraim for repairs
- 2012Hurricane Sandy5 households applied for aid$31K to the Borough of Mount Ephraim for repairs
- 2011Hurricane Irene33 households applied for aid$19K aid approved$30K to the Borough of Mount Ephraim for repairs
- 2010Severe Winter Storm and Snowstorm$12K to the Borough of Mount Ephraim for repairs1 flood claim paid that year
- 2009Snowstorm$14K to the Borough of Mount Ephraim for repairs
- 2007Severe Storms and Inland and Coastal Flooding2 households applied for aid$2K aid approved$10K to the Borough of Mount Ephraim for repairs
Show all 7
- 2004Severe Storms and Flooding1 households applied for aid$5K aid approved
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 Mount Ephraim after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Mount Ephraim archive →Mount Ephraim and its neighbors
Mount Ephraim is 5th of the 6 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 |
| Haddon Township | Bless damage than 64% | river and rain flooding | 17 |
| Bellmawr | Bless damage than 64% | river and rain flooding | 15 |
| Mount Ephraim | Bless damage than 63% | river and rain flooding | 6 |
| Gloucester City | C+more damage than 57% | river and rain flooding | 21 |
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 Mount Ephraim 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 Mount Ephraim
Is Mount Ephraim at risk for natural disasters?
On FEMA’s National Risk Index, Mount Ephraim has lower expected damage per building than 63% of U.S. towns: B for hazard risk, #135 of 468 in New Jersey. Most of the expected damage is river and rain flooding (81%) and earthquakes (8%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Mount Ephraim flood?
Flood insurance has paid 6 claims in Mount Ephraim since 1978, $55K in all, or 2.9 per 1,000 homes, fewer than 53% of U.S. towns with a flood insurance record. The most claims came from March 2010 Nor'easter (1).
Is Mount Ephraim 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 Mount Ephraim?
FEMA’s Community Rating System list shows no discount for Mount Ephraim’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 Mount Ephraim?
By FEMA money that reached Mount Ephraim, Hurricane Irene (2011): 33 households applied for aid, $19K approved, and $30K to the Borough of Mount Ephraim for repairs. By flood claims, March 2010 Nor'easter: 1 paid, $20K.
Is Mount Ephraim at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (81%), and Mount Ephraim’s rate for it is higher than 57% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Mount Ephraim.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Mount Ephraim’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.