Atco is calmer than 87% of U.S. communities
Most of the natural-hazard damage FEMA expects in Atco comes from inland flooding, and overall the risk is very low for a U.S. community.
What stands out about Atco’s weather risks
Read from FEMA’s records below. The page puts what stands out first.
How exposed is Atco?
FEMA expects yearly storm and flood damage to homes and buildings here to be higher than in 13% of U.S. communities, mostly from inland flooding.
Calmer than 530 of the 564 New Jersey towns we cover.
Atco covers 2 census tracts, combined by population.
Does Atco flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Atco. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Atco 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.What Atco faces
Each hazard’s share of the damage FEMA expects here, and how it compares with the rest of the country.
Inland flooding
Heat waves
Cold waves
Hurricanes
Earthquakes
Federal disasters declared here
None of the disasters declared for Camden County shows FEMA aid or repair money reaching Atco itself in FEMA’s records.
Camden County has had 19 natural disasters declared since 1953, most often hurricanes and winter storms.
Get ready for what Atco actually faces
A short kit for its top hazards, 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 the nearest cooling center or air-conditioned library.
- Drink water before you feel thirsty.
- Check on neighbors who live alone.
- Let faucets drip so pipes don’t freeze.
- Know where your water shutoff is.
- Never heat the house with the oven or a grill.
- 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.
Atco and its neighbors
Atco ranks 2nd calmest of 5 towns around it. Tap a town to see its hazards.
Rating = expected yearly storm and flood damage as a share of what’s there, vs. U.S. communities. Flood claims = paid federal flood insurance claims on record.
Most disasters here begin in August–October
The month each of Camden County’s 19 declared disasters began, since 1953.
What these numbers can and can’t tell you
- An average, not a forecast. FEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.
- Compared by rate. “Higher than N%” compares yearly damage as a share of what’s there, so a big city isn’t rated riskier just for having more buildings.
- Money that reached town. Flood claims are matched to Atco’s own flood-insurance community; household aid to the registrant’s city; repair grants to Atco.
- It follows property value. FEMA’s model weighs damage to buildings, so a place that recently lost many homes can rate lower than it feels. Across Atco, expected losses total about $1.5M a year, counting buildings, people and crops.
Storm stories
Memories, warnings and help from neighbors in Atco.
Your answer becomes a post in Town Square.
Sources: FEMA National Risk Index (December 2025); 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. Census tracts: U.S. Census Bureau. Weather alerts: National Weather Service. Preparedness tips: Ready.gov. An average of past damage, not a forecast.