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Natural hazards · Franklin

Franklin, NJ natural hazards

Most of the natural-hazard damage FEMA expects in Franklin comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 11 claims here since 1980.

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

How exposed is Franklin?

14
Very low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Franklin to be higher than in 14% of U.S. communities, mostly from inland flooding.

Inland flooding46%Hurricanes11%Heat waves9%Drought6%Cold waves6%Earthquakes6%Everything else17%
By hazard

What Franklin faces

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

Inland flooding

46% of expected damage
Well below average · higher than 21% of U.S. places
Recorded about 3 times a year in the area

Hurricanes

11% of expected damage
Above average · higher than 73% of U.S. places
Recorded about once every 7 years in the area

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

Drought

6% of expected damage
Recorded about 9 times a year in the area

Cold waves

6% of expected damage
Below average · higher than 40% of U.S. places
Recorded about once a year in the area

Earthquakes

6% of expected damage
Above average · higher than 61% of U.S. places

Lower here

TornadoesHailIce stormsWinter weatherWildfireLandslidesLightning

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 Franklin flood?

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

11paid claims since 1980
$139Kpaid to owners
0homes flooded more than once
19802026

Biggest named events

  • Hurricane Irene: 3 claims, $76K
  • April 2007 Nor'easter: 2 claims, $8K
  • Hurricane Floyd: 1 claim, $2K
of homes in flood zones
are insured
of all homes
are insured
No community discount. Franklin isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Gloucester County.
Disasters that hit Franklin

Federal disasters declared here

None of the disasters declared for Gloucester County shows FEMA aid or repair money reaching Franklin itself in FEMA’s records.

Brought FEMA money into FranklinDeclared for Gloucester County only
Gloucester County has had 22 natural disasters declared since 1953, most often hurricanes and severe storms.
Around Franklin

Franklin and the towns around it

Newfield: Very low, mostly inland floodingMonroe: Very low, mostly inland floodingUpper Pittsgrove: Very low, mostly inland floodingClayton: Very low, mostly inland floodingPittsgrove: Very low, mostly inland floodingElk: Very low, mostly inland floodingWinslow: Very low, mostly inland floodingWashington: Very low, mostly inland floodingGlassboro: Very low, mostly inland floodingSouth Harrison: Very low, mostly inland floodingElmer: Very low, mostly inland floodingPilesgrove: Low, mostly inland floodingVineland: Very low, mostly inland floodingDeerfield: Very low, mostly hurricanesUpper Deerfield: Very low, mostly inland floodingHarrison: Very low, mostly inland floodingFranklin: Very low, mostly inland flooding FranklinNewfieldMonroeUpper PittsgroveClaytonPittsgroveElk
Very lowLowModerateHighVery high
Pittsgrovemostly inland floodingVery low
Franklinmostly inland floodingVery low
Claytonmostly inland floodingVery low
Monroemostly inland floodingVery low
Upper Pittsgrovemostly inland floodingVery low
Elkmostly inland floodingVery low
Newfieldmostly 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. Franklin covers 4 census tracts, combined by population.
Money that reached townFlood claims are matched to Franklin’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Franklin. 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 Franklin total about $3.7M 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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