Atlantic City, New Jersey: natural disaster risk
How exposed Atlantic City is to floods, storms and other hazards, from FEMA and NOAA records for Atlantic County.
Atlantic City is a city of 38,632 people in Atlantic County, New Jersey. FEMA's National Risk Index rates Atlantic County relatively moderate for natural hazards overall, about average for the US. The costliest hazards there are inland flooding, hurricane and strong wind, with about $123 million in expected losses a year across the county. The weather service has logged 426 storm reports in the county since 1956, including 9 tornadoes and 65 floods. NOAA hurricane records show 9 hurricanes and 23 tropical storms passing within 65 miles of the county's center. About 14.4% of homes in the county carry federal flood insurance.
Risk figures are for Atlantic County. FEMA National Risk Index December 2025; NOAA Storm Events; US Census Bureau ACS 2020 to 2024. Updated November 6, 2026.
Top risks in Atlantic City
Full Atlantic County report ›- Check the FEMA flood map for your address, and ask the seller or landlord about past flooding.
- Price a flood policy now. Most new federal policies take 30 days to start.
- Know your evacuation zone and route before June 1.
- Ask about roof age, shutters and the separate wind or hurricane deductible on your home policy.
- Secure outdoor furniture and trash bins before storms.
- Have trees near the house checked.
All hazards
| Hazard | Rating | A year |
|---|---|---|
| Inland flooding | $50M | |
| Hurricane | $26M | |
| Strong wind | $15M | |
| Coastal flooding | $14M | |
| Cold wave | $4M | |
| Earthquake | $4M | |
| Wildfire | $3M | |
| Heat wave | $3M | |
| Tornado | $1M | |
| Lightning | $1M | |
| Drought | $1M | |
| Winter weather | $947K |
Homes in Atlantic City
Older homes and mobile homes usually take more damage in storms, floods and earthquakes. Ask about roof age, flood history and retrofits before you buy or rent.
Strongest tornadoes in Atlantic County
Other cities in New Jersey
All ›Common questions about Atlantic City
Is Atlantic City safe from natural disasters?
Atlantic City is in Atlantic County, which FEMA's National Risk Index rates relatively moderate overall, about average for the US. The biggest hazards are inland flooding, hurricane, strong wind. No place is free of risk, so check the flood map and insurance for any home you consider.
What natural disasters happen in Atlantic City?
By expected yearly losses in Atlantic County, the top hazards are inland flooding (Moderate), hurricane (High), strong wind (Very High). Atlantic County has been part of 33 federal disaster or emergency declarations for natural events.
Does Atlantic City get tornadoes?
Yes. NOAA records list 9 tornadoes in Atlantic County since 1950; the strongest was an F2 tornado on August 21, 1993 near Hammonton. FEMA rates tornado risk in the county low.
Do I need flood insurance in Atlantic City?
Standard home insurance does not cover floods. In Atlantic County, about 14.4% of homes have federal flood insurance, and FEMA rates inland flooding risk moderate. Check the FEMA flood map for your address and get a quote even outside a high-risk zone.