Natural Disaster Risk in Sea Isle City
New Jersey
Risk Summary for Sea Isle City
Sea Isle City scores 6.6/10 (High risk), above the U.S. average of 4.5. The leading hazard is Coastal Flooding.
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: Sea Isle City, New Jersey
Sea Isle City, in Cape May County, is a small community of about 2,000 situated along the mid-Atlantic coast. Its humid subtropical climate brings warm summers, cold winters, and significant coastal storm exposure, and in particular nor'easters, coastal flooding, and tropical storm threats. These conditions collectively define the natural hazard environment that Sea Isle City residents and property owners must navigate.
According to FEMA's National Risk Index, Sea Isle City carries an overall risk score of 6.6/10, placing it in the high category. Coastal flooding is the dominant hazard, with storm surge from tropical systems and nor'easters capable of inundating low-lying shoreline areas well above normal tidal levels. The area also faces notable exposure to wind and hurricane.
Within New Jersey, Sea Isle City's risk is, slightly below the 7.4/10 state average. Nationally, it ranks well above the U.S. national average of 4.5/10. FEMA's analysis of Cape May County identifies coastal flood as the foremost hazard, followed by wind and hurricane. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
Sea Isle City'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 Sea Isle City: Coastal Flooding preparedness
- Elevate utilities and consider flood-resistant construction in low-lying shoreline areas.
- Coastal flood and storm-surge damage requires separate flood insurance, not standard homeowners coverage.
- Know your evacuation zone and monitor tidal and surge forecasts during coastal storms.
Local Factors for Sea Isle City
These city-level factors differentiate Sea Isle City from other communities in Cape May County and provide geographic context for its hazard exposure.
Population
2,000
Small TownGeographic Zone
Atlantic Coast
Hurricane, nor'easter & coastal flood risk
Climate Band
Moderate Continental
Latitude 39.2°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — seasonal fire risk
Fire score: 8.8/10
Coordinates
39.1523° N, 74.6976° W
Cape May 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 Sea Isle City
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Sea Isle City
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.