Natural hazards · Linwood

Linwood, NJ natural hazards

Most of the natural-hazard damage FEMA expects in Linwood comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 59 claims here since 1979. 8 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Linwood?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Linwood to be higher than in 55% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding36%Hurricanes28%Coastal flooding13%Strong wind11%Everything else13%

By hazard

What Linwood faces

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

Inland flooding

36% of expected damage

Below average · higher than 25% of U.S. places

Recorded about 2 times a year in the area

Hurricanes

28% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about once every 5 years in the area

Coastal flooding

13% of expected damage

Well above average · higher than 98% of U.S. places

Strong wind

11% of expected damage

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

Recorded about 3 times a year in the area

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesLightning

Not a risk here

DroughtAvalanchesTsunamisVolcanic 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 Linwood flood?

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

59paid claims since 1979

$1.6Mpaid to owners

1homes flooded more than once

19792026

Biggest named events

Hurricane Sandy: 40 claims, $1.4M
December Storm - Nor'easter: 3 claims, $18K
Hurricane Irene: 1 claim, $563

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

🏷️ 25% off flood insurance. Linwood is in FEMA’s Community Rating System (class 5) for its flood-proofing work.

Insurance rates: Atlantic County.

Disasters that hit Linwood

8 federal disasters brought FEMA money here

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

Brought FEMA money into LinwoodDeclared for Atlantic County only

2020

Tropical Storm Isaias

$133K to the City of Linwood for repairs

2016

Severe Winter Storm and Snowstorm

$8K to the City of Linwood for repairs

2012

Hurricane Sandy

103 households applied for aid $96K aid approved $50K to the City of Linwood for repairs

2012

Severe Storms and Straight-Line Winds

$80K to the City of Linwood for repairs

2011

Hurricane Irene

40 households applied for aid $25K aid approved $13K to the City of Linwood for repairs

2010

Severe Winter Storm and Snowstorm

$43K to the City of Linwood for repairs

2010

Severe Storms and Flooding

16 households applied for aid $26K aid approved

2009

Snowstorm

$21K to the City of Linwood for repairs

Atlantic County has had 29 natural disasters declared since 1953, most often severe storms and hurricanes.

Around Linwood

Linwood and the towns around it

Very lowLowModerateHighVery high

Somers Pointmostly inland floodingHigh

Linwoodmostly inland floodingModerate

Egg Harbormostly inland floodingModerate

Northfieldmostly 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. Linwood covers 3 census tracts, combined by population.

Money that reached townFlood claims are matched to Linwood’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Linwood. 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 Linwood total about $2.2M 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.