Photo: Famartin · CC BY-SA 4.0Storms, floods and disasters in Thorofare
Thorofare isn’t graded for hazard risk: Thorofare is a Census area inside a town, graded with the town. Flood insurance has paid 6 claims here since 1979.
What Thorofare 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
Coastal 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.
Does Thorofare flood? Rarely: 6 flood claims since 1979
Every paid claim on a federal flood insurance policy in Thorofare, from FEMA’s records.
- Hurricane Sandy1 claim · $111K
Thorofare isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Gloucester County.The storms Thorofare remembers
None of the 20 disasters declared for Gloucester County shows FEMA aid or repair money reaching Thorofare itself in FEMA’s records, so these are its biggest flood-claim years.
- 20122 flood claims paidThe year of Hurricane Sandy, declared for Gloucester County
- 19791 flood claims paidNo declaration for the county that year
- 19831 flood claims paidNo declaration for the county that year
Gloucester County has had 20 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 Thorofare after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Thorofare archive →Thorofare and its neighbors
How expected damage per building compares across the town line. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| West Deptford Township | Bless damage than 63% | river and rain flooding | 103 |
| Philadelphia | B−less damage than 54% | river and rain flooding | 1,177 |
| Tinicum Township | B−less damage than 50% | river and rain flooding | 309 |
| National Park | Dmore damage than 86% | river and rain flooding | 50 |
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 Thorofare 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.
- Know your evacuation zone and the way off the coast.
- Storm surge comes fast: leave when you’re told, not when the water arrives.
- Move cars to high ground before king tides and nor’easters.
- 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 Thorofare
Does Thorofare flood?
Flood insurance has paid 6 claims in Thorofare since 1979, $131K in all. The most claims came from Hurricane Sandy (1).
Is Thorofare 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 Gloucester County, 50% of homes in mapped flood zones carry federal flood insurance, and 0.9% of all homes do.
How much is flood insurance in Thorofare?
FEMA’s Community Rating System list shows no discount for Thorofare’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 Thorofare?
By flood claims, Hurricane Sandy: 1 paid, $111K.
Storm stories
Memories, warnings and help from neighbors in Thorofare.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Thorofare’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.