Natural Disaster Risk in Monmouth Beach
New Jersey
Risk Summary for Monmouth Beach
Monmouth Beach 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: Monmouth Beach, New Jersey
Monmouth Beach is a town of roughly 3,207 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 Monmouth Beach.
According to FEMA's National Risk Index, Monmouth Beach carries an overall risk score of 7.8/10, placing it in the high category. Wind damage from severe weather systems tops the local risk profile, with open terrain and frequent storm activity amplifying exposure to destructive gusts. The area also faces notable exposure to coastal flood and heat.
Monmouth Beach'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.
Monmouth Beach'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 Monmouth Beach: 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 Monmouth Beach
These city-level factors differentiate Monmouth Beach from other communities in Monmouth County and provide geographic context for its hazard exposure.
Population
3,207
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
40.3364° N, 73.9863° 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 Monmouth Beach
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Monmouth Beach
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.