Property Atlas

County hazard profile

Gloucester, NJ

New Jersey · pop. 302,128 · FIPS 34015

Relatively Moderate
FEMA risk rating · RATING
Winter Weather
dominant hazard
$77M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Gloucester $77M

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 86.64/100
national median ~50 higher than 87% of counties
Social vulnerabilityVery Low 16.03/100
national median ~50 among the lowest nationally
Community resilienceVery High 85.66/100
national median ~50 higher than 86% of counties

Recorded · NFIP flood claims RECORDED

Realized flood losses in Gloucester

The National Flood Insurance Program has paid 706 flood-insurance claims totaling $4.8M in Gloucester since 1978. The costliest year was 2011 ($1.8M paid).

Flood-insurance dollars paid by year of loss

1978: $9,193 paid 1979: $46,663 paid 1980: $302,782 paid 1981: $3,584 paid 1982: $618 paid 1983: $7,366 paid 1984: $24,892 paid 1985: $50,538 paid 1986: $6,089 paid 1987: $4,025 paid 1988: $10,320 paid 1989: $60,228 paid 1991: $1,350 paid 1992: $85,507 paid 1993: $29,758 paid 1994: $1,485 paid 1995: $3,537 paid 1996: $41,212 paid 1997: $0 paid 1998: $2,997 paid 1999: $179,678 paid 2000: $3,674 paid 2001: $0 paid 2003: $64,543 paid 2004: $6,446 paid 2005: $109,630 paid 2006: $3,332 paid 2007: $247,445 paid 2008: $10,606 paid 2009: $22,878 paid 2010: $163,924 paid 2011: $1,843,892 paid 2012: $665,412 paid 2013: $105,049 paid 2014: $18,929 paid 2015: $10,375 paid 2016: $1,635 paid 2017: $4,357 paid 2018: $44,423 paid 2019: $240,306 paid 2020: $189,088 paid 2021: $81,510 paid 2022: $2,118 paid 2023: $6,488 paid 2024: $123,652 paid 2011 · $1.8M 1978 2024
$4.8M
total paid
$6,858
average claim
$128K
largest single claim
68%
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 Gloucester, NJ and where it ranks among U.S. counties. It is not a verdict on whether Gloucester 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.