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Natural hazards · Hamilton

Hamilton, NJ natural hazards

Most of the natural-hazard damage FEMA expects in Hamilton comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 311 claims here since 1978. 9 federal disasters brought FEMA money into town.

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

How exposed is Hamilton?

51
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hamilton to be higher than in 51% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding38%Hurricanes21%Strong wind18%Everything else23%
By hazard

What Hamilton faces

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

Inland flooding

38% of expected damage
Below average · higher than 30% of U.S. places
Recorded about 2 times a year in the area

Hurricanes

21% of expected damage
Well above average · higher than 86% of U.S. places
Recorded about once every 6 years in the area

Strong wind

18% of expected damage
Well above average · among the top 1% of U.S. places
Recorded about 5 times a year in the area

Lower here

Coastal floodingTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesLightningDrought

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 Hamilton flood?

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

311paid claims since 1978
$6.2Mpaid to owners
33homes flooded more than once
19782026

Biggest named events

  • Hurricane Irene: 77 claims, $2.5M
  • April 2007 Nor'easter: 28 claims, $259K
  • Hurricane Sandy: 26 claims, $1.7M

Homes that flooded again and again

■ FEMA “severe repetitive loss” (3) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
🏷️ 15% off flood insurance. Hamilton is in FEMA’s Community Rating System (class 7) for its flood-proofing work.
Insurance rates: Atlantic County.
Disasters that hit Hamilton

9 federal disasters brought FEMA money here

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

Brought FEMA money into HamiltonDeclared for Atlantic County only
2020

Tropical Storm Isaias

$121K to the Township of Hamilton for repairs
2016

Severe Winter Storm and Snowstorm

$19K to the Township of Hamilton for repairs
2012

Hurricane Sandy

$34K to the Township of Hamilton for repairs
2012

Severe Storms and Straight-Line Winds

$559K to the Township of Hamilton for repairs
2011

Hurricane Irene

$37K to the Township of Hamilton for repairs
2010

Severe Winter Storm and Snowstorm

$119K to the Township of Hamilton for repairs
2010

Severe Storms and Flooding

$52K to the Township of Hamilton for repairs
2009

Snowstorm

$94K to the Township of Hamilton for repairs
2007

Severe Storms and Inland and Coastal Flooding

$41K to the Township of Hamilton for repairs
Atlantic County has had 29 natural disasters declared since 1953, most often severe storms and hurricanes.
Around Hamilton

Hamilton and the towns around it

Egg Harbor: Moderate, mostly inland floodingWeymouth: Moderate, mostly inland floodingGalloway: Moderate, mostly inland floodingEstell Manor: Moderate, mostly inland floodingBuena Vista: Moderate, mostly inland floodingMullica: High, mostly inland floodingLinwood: Moderate, mostly inland floodingSomers Point: High, mostly inland floodingNorthfield: Moderate, mostly inland floodingMargate City: Very high, mostly inland floodingPleasantville: High, mostly inland floodingAtlantic City: Very high, mostly inland floodingLongport: Very high, mostly inland floodingOcean City: Very high, mostly inland floodingCorbin City: Moderate, mostly inland floodingMaurice River: High, mostly coastal floodingPort Republic: High, mostly inland floodingBrigantine: Very high, mostly inland floodingBass River: Moderate, mostly inland floodingLittle Egg Harbor: High, mostly inland floodingWashington: Moderate, mostly inland floodingAbsecon: Moderate, mostly inland floodingEgg Harbor City: Moderate, mostly inland floodingUpper: High, mostly inland floodingBuena: Low, mostly hurricanesFolsom: High, mostly inland floodingHammonton: Moderate, mostly inland floodingHamilton: Moderate, mostly inland flooding HamiltonEgg HarborWeymouthGallowayEstell ManorBuena VistaMullica
Very lowLowModerateHighVery high
Mullicamostly inland floodingHigh
Weymouthmostly inland floodingModerate
Estell Manormostly inland floodingModerate
Gallowaymostly inland floodingModerate
Egg Harbormostly inland floodingModerate
Hamiltonmostly inland floodingModerate
Buena Vistamostly inland floodingModerate
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. Hamilton covers 4 census tracts, combined by population.
Money that reached townFlood claims are matched to Hamilton’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Hamilton. 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 Hamilton total about $9.2M 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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