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Natural hazards · Florence

Florence, NJ natural hazards

Most of the natural-hazard damage FEMA expects in Florence comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 3 claims here since 2011. 7 federal disasters brought FEMA money into town.

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

How exposed is Florence?

80
Very high
vs. U.S. communities

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

Inland flooding76%Earthquakes5%Everything else19%
By hazard

What Florence faces

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

Inland flooding

76% of expected damage
Well above average · higher than 92% of U.S. places
Recorded about 3 times a year in the area

Earthquakes

5% of expected damage
Above average · higher than 72% of U.S. places

Lower here

Coastal floodingHurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireLandslidesStrong 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 Florence flood?

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

3paid claims since 2011
$28Kpaid to owners
0homes flooded more than once
20112026

Biggest named events

  • Hurricane Irene: 1 claim, $7K
of homes in flood zones
are insured
of all homes
are insured
No community discount. Florence isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Burlington County.
Disasters that hit Florence

7 federal disasters brought FEMA money here

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

Brought FEMA money into FlorenceDeclared for Burlington County only
2016

Severe Winter Storm and Snowstorm

$57K to the Township of Florence for repairs
2012

Hurricane Sandy

23 households applied for aid $3K aid approved $89K to the Township of Florence for repairs
2011

Hurricane Irene

41 households applied for aid $54K aid approved $18K to the Township of Florence for repairs
2010

Severe Winter Storm and Snowstorm

$68K to the Township of Florence for repairs
2009

Snowstorm

$38K to the Township of Florence for repairs
2007

Severe Storms and Inland and Coastal Flooding

6 households applied for aid $14K aid approved $7K to the Township of Florence for repairs
2004

Severe Storms and Flooding

1 household applied for aid
Burlington County has had 24 natural disasters declared since 1953, most often hurricanes and severe storms.
Around Florence

Florence and the towns around it

Springfield: Moderate, mostly inland floodingMansfield: High, mostly inland floodingFalls: Low, mostly inland floodingBristol: Moderate, mostly inland floodingBurlington: High, mostly inland floodingBordentown: High, mostly inland floodingTullytown: Moderate, mostly inland floodingChesterfield: Low, mostly inland floodingNorth Hanover: Low, mostly inland floodingPemberton: Moderate, mostly inland floodingWrightstown: Very low, mostly inland floodingMorrisville: High, mostly inland floodingHamilton: Moderate, mostly inland floodingLower Makefield: Low, mostly inland floodingMiddletown: Low, mostly inland floodingTrenton: High, mostly inland floodingFieldsboro: Moderate, mostly inland floodingBristol: High, mostly inland floodingBensalem: Low, mostly inland floodingBurlington: Very high, mostly inland floodingEdgewater Park: Very high, mostly inland floodingWestampton: Low, mostly inland floodingWillingboro: High, mostly inland floodingBordentown: High, mostly inland floodingFlorence: Very high, mostly inland flooding FlorenceSpringfieldMansfieldFallsBristolBurlingtonBordentownTullytown
Very lowLowModerateHighVery high
Florencemostly inland floodingVery high
Burlingtonmostly inland floodingHigh
Bordentownmostly inland floodingHigh
Mansfieldmostly inland floodingHigh
Tullytownmostly inland floodingModerate
Springfieldmostly inland floodingModerate
Bristolmostly inland floodingModerate
Fallsmostly 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. Florence covers 3 census tracts, combined by population.
Money that reached townFlood claims are matched to Florence’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Florence. 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 Florence total about $5.9M 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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