Thorofare’s biggest natural hazard is inland flooding
Most of the natural-hazard damage FEMA expects in Thorofare comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 6 claims here since 1979.
What stands out about Thorofare’s weather risks
Read from FEMA’s records below. The page puts what stands out first.
How exposed is Thorofare?
FEMA expects yearly storm and flood damage to homes and buildings here to be higher than in 50% of U.S. communities, mostly from inland flooding.
Calmer than 304 of the 564 New Jersey towns we cover.
Thorofare covers 1 census tract, combined by population.
What Thorofare faces
Each hazard’s share of the damage FEMA expects here, and how it compares with the rest of the country.
Inland flooding
Earthquakes
Coastal flooding
Strong wind
Does Thorofare flood? Rarely: 6 flood claims since 1979
Every paid claim on a federal flood insurance policy in Thorofare, from FEMA’s records.
- Hurricane Sandy1 claim · $111K
Thorofare 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.Federal disasters declared here
None of the disasters declared for Gloucester County shows FEMA aid or repair money reaching Thorofare itself in FEMA’s records.
Gloucester County has had 22 natural disasters declared since 1953, most often hurricanes and severe storms.
Get ready for what Thorofare actually faces
A short kit for its top hazards, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- Know your evacuation zone and the way off the coast.
- Storm surge comes fast: leave when you’re told, not when the water arrives.
- Move cars to high ground before king tides and nor’easters.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Thorofare and its neighbors
Thorofare ranks 4th calmest of 5 towns around it. Tap a town to see its hazards.
| Town | Rating | Mostly | Flood claims |
|---|---|---|---|
| National Park | Very high | inland flooding | 50 |
| Thorofare | Moderate | inland flooding | 6 |
| Tinicum | Moderate | inland flooding | 309 |
| Philadelphia | Moderate | inland flooding | 1,177 |
| West Deptford | Low | inland flooding | 103 |
Rating = expected yearly storm and flood damage as a share of what’s there, vs. U.S. communities. Flood claims = paid federal flood insurance claims on record.
Most disasters here begin in August–October
The month each of Gloucester County’s 22 declared disasters began, since 1953.
What these numbers can and can’t tell you
- An average, not a forecast. FEMA’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 there, so a big city isn’t rated riskier just for having more buildings.
- Money that reached town. Flood claims are matched to Thorofare’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Thorofare.
- It follows property value. FEMA’s model weighs damage to buildings, so a place that recently lost many homes can rate lower than it feels. Across Thorofare, expected losses total about $1.5M a year, counting buildings, people and crops.
Storm stories
Memories, warnings and help from neighbors in Thorofare.
Your answer becomes a post in Town Square.
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. Preparedness tips: Ready.gov. An average of past damage, not a forecast.