Natural hazards · Commercial

Commercial, NJ natural hazards

Most of the natural-hazard damage FEMA expects in Commercial comes from coastal flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 24 claims here since 1979. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Commercial?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Commercial to be higher than in 80% of U.S. communities, mostly from coastal flooding and inland flooding.

Coastal flooding46%Inland flooding20%Hurricanes15%Cold waves7%Everything else12%

By hazard

What Commercial faces

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

Coastal flooding

46% of expected damage

Well above average · among the top 1% of U.S. places

Inland flooding

20% of expected damage

Well below average · higher than 24% of U.S. places

Recorded about 2 times a year in the area

Hurricanes

15% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about once every 6 years in the area

Cold waves

7% of expected damage

Below average · higher than 41% of U.S. places

Recorded about once a year in the area

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

AvalanchesTsunamisVolcanic 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 Commercial flood?

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

24paid claims since 1979

$541Kpaid to owners

1homes flooded more than once

19792026

Biggest named events

Hurricane Sandy: 15 claims, $315K
Hurricane Isaias: 1 claim, $38K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

No community discount. Commercial isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Cumberland County.

Disasters that hit Commercial

5 federal disasters brought FEMA money here

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

Brought FEMA money into CommercialDeclared for Cumberland County only

2012

Hurricane Sandy

$101K to the Township of Commercial for repairs

2011

Hurricane Irene

$50K to the Township of Commercial for repairs

2010

Severe Winter Storm and Snowstorm

$24K to the Township of Commercial for repairs

2010

Severe Storms and Flooding

$12K to the Township of Commercial for repairs

2009

Snowstorm

$9K to the Township of Commercial for repairs

Cumberland County has had 24 natural disasters declared since 1953, most often hurricanes and severe storms.

Around Commercial

Commercial and the towns around it

Very lowLowModerateHighVery high

Downemostly coastal floodingVery high

Commercialmostly coastal floodingVery high

Maurice Rivermostly coastal floodingHigh

Millvillemostly inland floodingLow

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. Commercial covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Commercial’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Commercial. 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 Commercial total about $2.0M 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.