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 3.0Pemberton Township’s building-damage rate from strong wind is in the top 5% of U.S. census tracts
On FEMA’s National Risk Index, Pemberton Township gets a C+ for hazard risk: higher expected damage per building than 56% of U.S. towns, #238 of 468 in New Jersey. Most of that expected damage is river and rain flooding (74%). Flood insurance has paid 87 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 Pemberton 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
Strong wind
Wildfire
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 Pemberton Township’s grade
River and rain flooding is 74% of the building damage FEMA expects in Pemberton Township, and Pemberton Township’s rate of river and rain flooding damage is higher than 65% of U.S. census tracts. Strong wind adds 6%, at a rate in the top 5% of U.S. census tracts.
C+ #238 of 468 in New Jersey; higher expected damage per building than 56% of U.S. towns (21,298).
Pemberton Township’s residents live in 8 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, Pemberton Township has more expected damage per building than 51% of New Jersey towns.
In dollars, FEMA expects about $6.5M a year in losses across Pemberton Township: $5.0M to buildings, the rest to people and crops.
Does Pemberton Township flood? Sometimes: 87 flood claims since 1978
Every paid claim on a federal flood insurance policy in Pemberton Township, from FEMA’s records: 8.2 per 1,000 homes, more than 70% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Irene23 claims · $587K
- The March 2010 nor’easter5 claims · $33K
- The April 2007 nor’easter4 claims · $48K
Pemberton 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: Burlington County.10 federal disasters brought FEMA money to Pemberton Township
Disasters that paid out in Pemberton Township itself (aid to households or repair grants to Pemberton Township), newest first, with that year’s flood claims.
- 2020Tropical Storm Isaias$207K to Pemberton Township for repairs
- 2018Severe Winter Storm and Snowstorm$171K to Pemberton Township for repairs1 flood claim paid that year
- 2016Severe Winter Storm and Snowstorm$60K to Pemberton Township for repairs
- 2012Hurricane Sandy$158K to Pemberton Township for repairs
- 2011Hurricane Irene$690K to Pemberton Township for repairs23 flood claims paid for it, $587K
- 2010Severe Winter Storm and Snowstorm$41K to Pemberton Township for repairs
Show all 10
- 2010Severe Winter Storm and Snowstorm$53K to Pemberton Township for repairs
- 2009Snowstorm$50K to Pemberton Township for repairs
- 2007Severe Storms and Inland and Coastal Flooding$27K to Pemberton Township for repairs4 flood claims paid that year
- 2004Severe Storms and Flooding$61K to Pemberton Township for repairs10 flood claims paid that year
Burlington County has had 22 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.
Also 1 FEMA wildfire suppression grant (Fire Management Assistance, not a disaster declaration) for fires in Burlington County, 2007–2007.
Old photos of Pemberton Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Pemberton Township archive →Pemberton Township and its neighbors
Pemberton Township is 3rd 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 |
|---|---|---|---|
| New Hanover Township | Aless damage than 88% | river and rain flooding | 2 |
| Springfield Township | B−more damage than 55% | river and rain flooding | 345 |
| Pemberton Township | C+more damage than 56% | river and rain flooding | 87 |
| Woodland Township | C+more damage than 60% | river and rain flooding | 1 |
| Southampton Township | C+more damage than 61% | river and rain flooding | 136 |
| Eastampton Township | Cmore damage than 73% | river and rain flooding | 87 |
| Juliustown | — | 313 residents; we grade 1,000+ | |
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 Pemberton 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.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- Clear dead leaves and brush within 5 feet of the house.
- Sign up for local alerts and know two ways out.
- Keep N95 masks for smoky days.
- 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 Pemberton Township
Is Pemberton Township at risk for natural disasters?
On FEMA’s National Risk Index, Pemberton Township has higher expected damage per building than 56% of U.S. towns: C+ for hazard risk, #238 of 468 in New Jersey. Most of the expected damage is river and rain flooding (74%) and strong wind (6%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Pemberton Township flood?
Flood insurance has paid 87 claims in Pemberton Township since 1978, $1.5M in all, or 8.2 per 1,000 homes, more than 70% of U.S. towns with a flood insurance record. 10 properties have flooded more than once. The most claims came from Hurricane Irene (23).
Is Pemberton 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 Burlington County, 55% of homes in mapped flood zones carry federal flood insurance, and 2.2% of all homes do.
How much is flood insurance in Pemberton Township?
FEMA’s Community Rating System list shows no discount for Pemberton 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 Pemberton Township?
By FEMA money that reached Pemberton Township, Hurricane Irene (2011): $690K to Pemberton Township for repairs. By flood claims, Hurricane Irene: 23 paid, $587K.
Is Pemberton Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (74%), and Pemberton Township’s rate for it is higher than 65% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Pemberton Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Pemberton 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.