Natural hazards · Somers Point

Somers Point, NJ natural hazards

Most of the natural-hazard damage FEMA expects in Somers Point comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 268 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 Somers Point?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Somers Point to be higher than in 64% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding39%Hurricanes20%Coastal flooding15%Strong wind13%Everything else12%

By hazard

What Somers Point faces

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

Inland flooding

39% of expected damage

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

Recorded about 2 times a year in the area

Hurricanes

20% of expected damage

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

Recorded about once every 6 years in the area

Coastal flooding

15% of expected damage

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

Strong wind

13% of expected damage

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

Recorded about 4 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 Somers Point flood?

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

268paid claims since 1979

$6.5Mpaid to owners

19homes flooded more than once

19792026

Biggest named events

Hurricane Sandy: 132 claims, $5.3M
December Storm - Nor'easter: 49 claims, $551K
Hurricane Irene: 10 claims, $185K

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

🏷️ 20% off flood insurance. Somers Point is in FEMA’s Community Rating System (class 6) for its flood-proofing work.

Insurance rates: Atlantic County.

What’s been done with FEMA grants

2homes raised above flood level

Disasters that hit Somers Point

8 federal disasters brought FEMA money here

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

Brought FEMA money into Somers PointDeclared for Atlantic County only

2020

Tropical Storm Isaias

$98K to the City of Somers Point for repairs

2012

Hurricane Sandy

369 households applied for aid $689K aid approved $782K to the City of Somers Point for repairs

2012

Severe Storms and Straight-Line Winds

$165K to the City of Somers Point for repairs

2011

Hurricane Irene

129 households applied for aid $42K aid approved $28K to the City of Somers Point for repairs

2010

Severe Winter Storm and Snowstorm

$62K to the City of Somers Point for repairs

2010

Severe Storms and Flooding

12 households applied for aid $6K aid approved $38K to the City of Somers Point for repairs

2009

Snowstorm

$28K to the City of Somers Point for repairs

2009

Severe Storms and Flooding Associated With Tropical Depression Ida and a Nor'eas

$56K to the City of Somers Point for repairs

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

Around Somers Point

Somers Point and the towns around it

Very lowLowModerateHighVery high

Ocean Citymostly inland floodingVery high

Somers Pointmostly inland floodingHigh

Uppermostly inland floodingHigh

Linwoodmostly inland floodingModerate

Egg Harbormostly 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. Somers Point covers 4 census tracts, combined by population.

Money that reached townFlood claims are matched to Somers Point’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Somers Point. 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 Somers Point 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.