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Natural hazards · Berlin

Berlin, NJ natural hazards

Most of the natural-hazard damage FEMA expects in Berlin comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 1 claim here since 2009. 7 federal disasters brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations
Expected damage

How exposed is Berlin?

2
Very low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Berlin to be higher than in 2% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding42%Earthquakes16%Heat waves9%Hurricanes9%Cold waves8%Tornadoes5%Everything else11%
By hazard

What Berlin faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

42% of expected damage
Well below average · higher than 3% of U.S. places
Recorded about 4 times a year in the area

Earthquakes

16% of expected damage
Above average · higher than 71% of U.S. places

Heat waves

9% of expected damage
Well below average · higher than 6% of U.S. places
Recorded about 11 times a year in the area

Hurricanes

9% of expected damage
Above average · higher than 69% of U.S. places
Recorded about once every 7 years in the area

Cold waves

8% of expected damage
Above average · higher than 55% of U.S. places
Recorded about once a year in the area

Tornadoes

5% of expected damage
Below average · higher than 35% of U.S. places

Lower here

HailIce stormsWinter weatherWildfireLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic activity
Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Flood insurance claims

Does Berlin flood?

Every paid claim on a federal flood insurance policy in Berlin, from FEMA’s records.

1paid claims since 2009
$4Kpaid to owners
0homes flooded more than once
20092026
of homes in flood zones
are insured
of all homes
are insured
No community discount. Berlin 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.
Disasters that hit Berlin

7 federal disasters brought FEMA money here

Disasters the President declared that paid out in Berlin itself: aid to households, or repair grants to the Township of Berlin.

Brought FEMA money into BerlinDeclared for Camden County only
2016

Severe Winter Storm and Snowstorm

$20K to the Township of Berlin for repairs
2015

Severe Storm

$106K to the Township of Berlin for repairs
2012

Hurricane Sandy

$8K to the Township of Berlin for repairs
2011

Hurricane Irene

$17K to the Township of Berlin for repairs
2010

Severe Winter Storm and Snowstorm

$30K to the Township of Berlin for repairs
2009

Snowstorm

$26K to the Township of Berlin for repairs
2007

Severe Storms and Inland and Coastal Flooding

$3K to the Township of Berlin for repairs
Camden County has had 19 natural disasters declared since 1953, most often hurricanes and winter storms.
Around Berlin

Berlin and the towns around it

Berlin: Very low, mostly inland floodingVoorhees: Very low, mostly inland floodingEvesham: Low, mostly inland floodingLindenwold: Low, mostly inland floodingWinslow: Very low, mostly inland floodingPine Hill: Very low, mostly inland floodingWaterford: Very low, mostly inland floodingSomerdale: Very low, mostly inland floodingGibbsboro: Very low, mostly inland floodingCherry Hill: Low, mostly inland floodingLawnside: Very low, mostly inland floodingMedford: Moderate, mostly inland floodingMount Laurel: Moderate, mostly inland floodingClementon: Low, mostly inland floodingLaurel Springs: Low, mostly inland floodingStratford: Very low, mostly inland floodingGloucester: Very low, mostly inland floodingBerlin: Very low, mostly inland flooding BerlinBerlinVoorheesEveshamLindenwold
Very lowLowModerateHighVery high
Lindenwoldmostly inland floodingLow
Eveshammostly inland floodingLow
Voorheesmostly inland floodingVery low
Berlinmostly inland floodingVery low
Berlinmostly inland floodingVery low
About these numbers

How to read this page

An average, not a forecastFEMA’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 here, so a big city isn’t rated riskier just for having more buildings. Berlin covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Berlin’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Berlin. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Berlin total about $1.0M a year, counting buildings, people and crops.

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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/15 · 2025-01-01
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