Natural Disaster Risk in Colts Neck
New Jersey
Risk Summary for Colts Neck
Colts Neck scores 7.8/10 (High risk), above the U.S. average of 4.5. The leading hazard is Strong Wind.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Above-average risk — check your policy limits
Standard homeowners insurance may not fully cover all hazards rated highly in this area. Verify that your policy includes adequate coverage for the top local hazards, and ask your insurer about specific endorsements or separate policies (e.g., flood, earthquake).
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: Colts Neck, New Jersey
Colts Neck is a town of roughly 9,990 residents in Monmouth County, along the northeastern Atlantic Seaboard. The area experiences warm summers, cold winters, and significant coastal storm exposure, with nor'easters, coastal flooding, and tropical storm threats shaping the pattern of natural hazards that residents encounter. Understanding the local risk profile is essential for anyone living in, moving to, or owning property in Colts Neck.
FEMA rates Colts Neck's composite natural disaster risk at 7.8 out of 10 — high risk. Strong wind is the primary natural hazard, with the area exposed to downburst winds from convective storms that can exceed 80 mph and cause hurricane-level localized damage. Residents should also account for coastal flood and heat risk in their preparedness planning.
Colts Neck's risk score, near the 7.4/10 state average and well above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for Monmouth County, the highest-scoring are wind, coastal flood, and heat. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
Colts Neck's high risk designation reflects meaningful exposure to natural hazards. Residents should verify that their insurance covers the area's primary risks, prepare a family emergency plan, and stay informed about seasonal hazard peaks through local weather and emergency management services.
What this means for Colts Neck: Strong Wind preparedness
- Inspect and reinforce roofing, siding, and garage doors, which are common failure points in high winds.
- Secure or store outdoor furniture and loose objects that can become projectiles.
- Confirm your policy covers wind damage and keep an inventory of property for claims.
Local Factors for Colts Neck
These city-level factors differentiate Colts Neck from other communities in Monmouth County and provide geographic context for its hazard exposure.
Population
9,990
Small TownGeographic Zone
Atlantic Coast
Hurricane, nor'easter & coastal flood risk
Climate Band
Moderate Continental
Latitude 40.3°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — seasonal fire risk
Fire score: 9.0/10
Coordinates
40.2876° N, 74.1675° W
Monmouth County
Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.
Recent Climate Data for Colts Neck
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Colts Neck
Other cities in New Jersey
Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.