Property Atlas

County hazard profile

Atlantic, NJ

New Jersey · pop. 274,261 · FIPS 34001

Relatively Moderate
FEMA risk rating · RATING
Strong Wind
dominant hazard
$123M
modeled expected annual loss/yr

Expected annual loss · all 3,232 U.S. counties

lower than most counties (38th percentile)

national median $15M/yr Atlantic $123M

A real dollar distribution: most counties sit far below a handful of high-exposure ones. A FEMA model of annual loss, not a record of disasters.

FEMA national percentile scores

FEMA/CDC score each county 0–100 against all others — the score is the national rank (RATING). Higher risk and vulnerability are worse; higher resilience is better.

FEMA risk indexRelatively Moderate 92.97/100
national median ~50 among the highest nationally
Social vulnerabilityRelatively Moderate 46.53/100
national median ~50 near the national middle (47th percentile)
Community resilienceVery High 82.98/100
national median ~50 higher than 83% of counties

Recorded · NFIP flood claims RECORDED

Realized flood losses in Atlantic

The National Flood Insurance Program has paid 20,908 flood-insurance claims totaling $493.9M in Atlantic since 1978. The costliest year was 2012 ($420.6M paid).

Flood-insurance dollars paid by year of loss

1978: $66,315 paid 1979: $189,301 paid 1980: $687,800 paid 1981: $42,911 paid 1982: $26,464 paid 1983: $26,780 paid 1984: $4,070,951 paid 1985: $3,673,490 paid 1986: $19,032 paid 1987: $528,690 paid 1988: $0 paid 1989: $231,045 paid 1990: $26,911 paid 1991: $1,482,725 paid 1992: $33,871,829 paid 1993: $478,954 paid 1994: $2,431,798 paid 1995: $399,545 paid 1996: $917,202 paid 1997: $1,707,361 paid 1998: $2,351,168 paid 1999: $236,137 paid 2000: $636,554 paid 2001: $231,063 paid 2002: $217,295 paid 2003: $90,587 paid 2004: $27,681 paid 2005: $863,237 paid 2006: $376,603 paid 2007: $254,101 paid 2008: $780,312 paid 2009: $2,557,181 paid 2010: $920,979 paid 2011: $1,823,972 paid 2012: $420,618,699 paid 2013: $127,396 paid 2014: $206,156 paid 2015: $272,425 paid 2016: $2,057,187 paid 2017: $586,706 paid 2018: $2,621,463 paid 2019: $739,881 paid 2020: $143,847 paid 2021: $503,920 paid 2022: $1,473,968 paid 2023: $230,908 paid 2024: $726,797 paid 2025: $1,351,277 paid 2026: $0 paid 2012 · $420.6M 1978 2026
$493.9M
total paid
$23,623
average claim
$2.5M
largest single claim
96%
in high-risk flood zones (A/V)

RECORDED — these are actual paid NFIP claims (a redacted census from OpenFEMA), not a model. They are the realized counterpart to the FEMA risk score above: one is what happened and got paid, the other is what a model predicts.

Scope: these are flood-insurance claims, so they undercount flooding where owners were uninsured — read this as "what NFIP paid here," not "every flood." County-level totals, not a per-property or per-address verdict. Verify a specific address and buy coverage at FloodSmart.gov; the underlying data is OpenFEMA NFIP Redacted Claims.

What these figures mean

  • RATING — the FEMA risk score, expected loss, social vulnerability, and resilience are FEMA/CDC models, not records of disasters that happened. The 0–100 scores are already national percentiles.
  • MEASURED — population is a recorded census figure.
  • COMPUTED — the county's rank within the dollar-loss distribution is our placement over the 3,232 counties.
  • CONTEXT — the note below is framing, not a measurement.

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What this is — and is not

This is FEMA/CDC modeled hazard exposure for Atlantic, NJ and where it ranks among U.S. counties. It is not a verdict on whether Atlantic is a good or bad place to live — hazard exposure is not place quality, and a county can't opt out of its geography. It is not a per-property or per-address risk assessment, not a prediction of any specific disaster, and not insurance advice. For site-specific risk use a per-property assessment; for the underlying model see FEMA National Risk Index.