Natural Disaster Risk — ZIP Code 08406
Ventnor City, New Jersey
Risk Summary for ZIP 08406
ZIP 08406 scores 7.7/10 (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: ZIP 08406, New Jersey
ZIP 08406 covers part of the Ventnor City area, along the mid-Atlantic coast. The surrounding region experiences warm summers, cold winters, and significant coastal storm exposure, with nor'easters, coastal flooding, and tropical storm threats shaping the natural hazards that residents of this ZIP code face. Risk scores here are derived from FEMA data for the encompassing county.
FEMA rates ZIP 08406's composite natural disaster risk at 7.7 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 hurricane risk in their preparedness planning.
ZIP 08406'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, the highest-scoring are wind, coastal flood, and hurricane. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
With a high natural disaster risk rating, ZIP 08406 residents benefit from taking preparedness seriously. Reviewing insurance coverage for wind and secondary hazards, registering for emergency alerts, and maintaining a household emergency kit are practical steps that can significantly reduce impact during a major event.
What this means for ZIP 08406: 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.
Risk for the surrounding area
Local Factors for ZIP 08406
These city-level factors differentiate ZIP 08406 from other communities in New Jersey County and provide geographic context for its hazard exposure.
Population
8,972
Small TownGeographic Zone
Atlantic Coast
Hurricane, nor'easter & coastal flood risk
Climate Band
Moderate Continental
Latitude 39.3°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — seasonal fire risk
Fire score: 9.5/10
Coordinates
39.3456° N, 74.4860° W
Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.
Recent Climate Data for ZIP 08406
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
Nearby ZIP codes
Other cities in New Jersey
Data source: FEMA National Risk Index (NRI). County-level data applied to ZIP codes within each county. Scores are normalized to 1–10 across all US counties. This information is for general awareness only — consult official emergency management resources and a licensed insurer for property-specific advice.