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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 3 claims here since 2005. 8 federal disasters brought FEMA money into town.

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

How exposed is Berlin?

5
Very low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Berlin to be higher than in 5% of U.S. communities, mostly from inland flooding.

Inland flooding49%Earthquakes12%Heat waves9%Hurricanes8%Cold waves8%Everything else15%
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

49% of expected damage
Well below average · higher than 9% of U.S. places
Recorded about 4 times a year in the area

Earthquakes

12% of expected damage
Above average · higher than 68% 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

8% 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

Lower here

TornadoesHailIce 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.

3paid claims since 2005
$10Kpaid to owners
0homes flooded more than once
20052026

Biggest named events

  • April 2007 Nor'easter: 1 claim, $5K
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

8 federal disasters brought FEMA money here

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

Brought FEMA money into BerlinDeclared for Camden County only
2016

Severe Winter Storm and Snowstorm

$21K to the Borough of Berlin for repairs
2015

Severe Storm

$210K to the Borough of Berlin for repairs
2012

Hurricane Sandy

8 households applied for aid $5K aid approved
2011

Hurricane Irene

55 households applied for aid $50K aid approved $18K to the Borough of Berlin for repairs
2010

Severe Winter Storm and Snowstorm

$19K to the Borough of Berlin for repairs
2009

Snowstorm

$30K to the Borough of Berlin for repairs
2007

Severe Storms and Inland and Coastal Flooding

18 households applied for aid $16K aid approved
2004

Severe Storms and Flooding

2 households applied for aid $6K aid approved $113 to the Borough 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

Winslow: Very low, mostly inland floodingBerlin: Very low, mostly inland floodingPine Hill: Very low, mostly inland floodingLindenwold: Low, mostly inland floodingWaterford: Very low, mostly inland floodingMonroe: Very low, mostly inland floodingChesilhurst: Very low, mostly inland floodingVoorhees: Very low, mostly inland floodingEvesham: Low, mostly inland floodingGloucester: Very low, mostly inland floodingClementon: Low, mostly inland floodingGibbsboro: Very low, mostly inland floodingLaurel Springs: Low, mostly inland floodingStratford: Very low, mostly inland floodingSomerdale: Very low, mostly inland floodingShamong: Low, mostly inland floodingMedford: Moderate, mostly inland floodingBerlin: Very low, mostly inland flooding BerlinWinslowBerlinPine HillLindenwoldWaterford
Very lowLowModerateHighVery high
Lindenwoldmostly inland floodingLow
Waterfordmostly inland floodingVery low
Winslowmostly inland floodingVery low
Pine Hillmostly 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 Borough 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 $1.3M 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/18 · 2025-01-01
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