Gloucester County, NJ flood risk explained
Flood hazard in Gloucester County sits at the 87.9th national percentile, well above the national norm for flood hazard; split between inland river flooding (about 2.6 times a year) and coastal storm surge (about 3.7 times a year). County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Mandatory flood insurance compliance in Gloucester County
50% of the homes FEMA requires to carry flood insurance in Gloucester County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 574 policies against 1,148 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 0.9% of all residential structures in Gloucester County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Where Gloucester County ranks
Among the 3144 US counties FEMA scores for flood hazard, Gloucester County ranks 399 — 1 being the highest hazard nationally — and 237 by population among all 3144 counties covered here, where 1 is the largest. Gloucester County, New Jersey is home to about 311,783 people across 322.009 square miles of land.
What to do next if you own or are buying in Gloucester County
836 of Gloucester County's 90,490 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
Where Gloucester County's figures come from
Every figure on this page traces to a named FEMA dataset, documented in the methodology guide. Gloucester County's coastal exposure is covered in the coastal vs. inland flood risk guide, including how storm surge risk differs from river flooding.