Photo: Smallbones · Public domainFEMA puts Woolwich Township’s expected hazard damage per building below that of 85% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Woolwich Township gets an A− for hazard risk: lower expected damage per building than 85% of U.S. towns, #43 of 468 in New Jersey. Most of that expected damage is river and rain flooding (74%). Flood insurance has paid 6 claims here since 1980.
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 Woolwich 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
Earthquakes
Strong wind
Hurricanes
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 Woolwich Township’s grade
River and rain flooding is 74% of the building damage FEMA expects in Woolwich Township, and Woolwich Township’s rate of river and rain flooding damage is lower than 70% of U.S. census tracts. Strong wind adds 6%, at a rate in the top 10% of U.S. census tracts.
A− #43 of 468 in New Jersey; lower expected damage per building than 85% of U.S. towns (21,298).
Woolwich Township’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, Woolwich Township has less expected damage per building than 91% of New Jersey towns.
In dollars, FEMA expects about $3.3M a year in losses across Woolwich Township: $2.4M to buildings, the rest to people and crops.
Does Woolwich Township flood? Rarely: 6 flood claims since 1980
Every paid claim on a federal flood insurance policy in Woolwich Township, from FEMA’s records: 1.4 per 1,000 homes, fewer than 71% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Irene2 claims · $39K
Woolwich 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: Gloucester County.5 federal disasters brought FEMA money to Woolwich Township
Disasters that paid out in Woolwich Township itself (aid to households or repair grants to Woolwich Township), newest first, with that year’s flood claims.
- 2020Tropical Storm Isaias$975K to Woolwich Township for repairs2 flood claims paid that year
- 2015Severe Storm$76K to Woolwich Township for repairs
- 2011Hurricane Irene1 households applied for aid$29K to Woolwich Township for repairs2 flood claims paid for it, $39K
- 2010Severe Winter Storm and Snowstorm$16K to Woolwich Township for repairs
- 2009Snowstorm$24K to Woolwich Township for repairs
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 Woolwich Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Woolwich Township archive →Woolwich Township and its neighbors
Woolwich Township 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 |
|---|---|---|---|
| Harrison Township | Aless damage than 88% | river and rain flooding | 3 |
| South Harrison Township | Aless damage than 88% | river and rain flooding | 1 |
| Woolwich Township | A−less damage than 85% | river and rain flooding | 6 |
| East Greenwich Township | A−less damage than 76% | river and rain flooding | 8 |
| Pilesgrove Township | Bless damage than 60% | river and rain flooding | 2 |
| Logan Township | B−less damage than 55% | river and rain flooding | 25 |
| Oldmans Township | B−more damage than 52% | river and rain flooding | 2 |
| Auburn | — | a Census area inside a town; graded with the town | |
| Beckett | — | 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 Woolwich 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- 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.
- 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 Woolwich Township
Is Woolwich Township at risk for natural disasters?
On FEMA’s National Risk Index, Woolwich Township has lower expected damage per building than 85% of U.S. towns: A− for hazard risk, #43 of 468 in New Jersey. Most of the expected damage is river and rain flooding (74%) and earthquakes (6%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Woolwich Township flood?
Flood insurance has paid 6 claims in Woolwich Township since 1980, $130K in all, or 1.4 per 1,000 homes, fewer than 71% of U.S. towns with a flood insurance record. 1 properties have flooded more than once. The most claims came from Hurricane Irene (2).
Is Woolwich 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 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 Woolwich Township?
FEMA’s Community Rating System list shows no discount for Woolwich 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 Woolwich Township?
By FEMA money that reached Woolwich Township, Tropical Storm Isaias (2020): $975K to Woolwich Township for repairs. By flood claims, Hurricane Irene: 2 paid, $39K.
Is Woolwich Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (74%), and Woolwich Township’s rate for it is lower than 70% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Woolwich Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Woolwich 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.