Natural hazards · Waterford

Waterford, NJ natural hazards

Most of the natural-hazard damage FEMA expects in Waterford comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 2 claims here since 2011. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Waterford?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Waterford to be higher than in 13% of U.S. communities, mostly from inland flooding.

Inland flooding47%Heat waves9%Hurricanes8%Cold waves7%Drought6%Earthquakes6%Everything else18%

By hazard

What Waterford faces

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

Inland flooding

47% of expected damage

Well below average · higher than 21% of U.S. places

Recorded about 4 times a year 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

Hurricanes

8% of expected damage

Above average · higher than 70% of U.S. places

Recorded about once every 7 years in the area

Cold waves

7% of expected damage

Above average · higher than 55% of U.S. places

Recorded about once a year in the area

Drought

6% of expected damage

Recorded about 8 times a year in the area

Earthquakes

6% of expected damage

Above average · higher than 59% of U.S. places

Lower here

TornadoesHailIce stormsWinter weatherLandslidesStrong windLightning

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 Waterford flood?

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

2paid claims since 2011

$9Kpaid to owners

1homes flooded more than once

20112026

Biggest named events

Hurricane Irene: 1 claim, $4K

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

No community discount. Waterford isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Camden County.

Disasters that hit Waterford

6 federal disasters brought FEMA money here

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

Brought FEMA money into WaterfordDeclared for Camden County only

2016

Severe Winter Storm and Snowstorm

$32K to the Township of Waterford for repairs

2015

Severe Storm

$157K to the Township of Waterford for repairs

2012

Hurricane Sandy

$19K to the Township of Waterford for repairs

2011

Hurricane Irene

1 household applied for aid $7K aid approved $8K to the Township of Waterford for repairs

2010

Severe Winter Storm and Snowstorm

$17K to the Township of Waterford for repairs

2009

Snowstorm

$28K to the Township of Waterford for repairs

Camden County has had 19 natural disasters declared since 1953, most often hurricanes and winter storms.

Around Waterford

Waterford and the towns around it

Very lowLowModerateHighVery high

Medfordmostly inland floodingModerate

Shamongmostly inland floodingLow

Eveshammostly inland floodingLow

Waterfordmostly inland floodingVery low

Winslowmostly inland floodingVery low

Berlinmostly 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. Waterford covers 3 census tracts, combined by population.

Money that reached townFlood claims are matched to Waterford’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Waterford. 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 Waterford total about $2.0M 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.