Natural Disaster Risk — ZIP Code 08733
Lakehurst, New Jersey
Risk Summary for ZIP 08733
ZIP 08733 scores 8.0/10 (Very 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
High-risk area — review your coverage carefully
Properties in very high-risk areas often require specialized coverage that standard homeowners policies do not include. Consider flood insurance through the NFIP, wildfire-specific endorsements, or earthquake riders depending on your top hazards. Premiums in these areas can be significantly higher than average.
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: ZIP 08733, New Jersey
ZIP 08733 covers part of the Lakehurst area, along the northeastern Atlantic Seaboard. 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 08733's composite natural disaster risk at 8.0 out of 10 — very high risk. The risk of coastal inundation tops the local hazard profile, with the area exposed to storm surge, tidal flooding, and wave action during major coastal storm events. Residents should also account for wind and winter risk in their preparedness planning.
ZIP 08733's risk score, slightly above 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 coastal flood, wind, and winter. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
The very high risk environment in ZIP 08733 warrants proactive steps beyond standard preparedness. Review property insurance annually to ensure it covers the area's primary hazards, including coastal flood. Establish a household emergency plan and keep supplies stocked, as the region's risk profile may require rapid response.
What this means for ZIP 08733: Coastal Flooding preparedness
- 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.
- Elevate utilities and consider flood-resistant construction in low-lying shoreline areas.
Risk for the surrounding area
Local Factors for ZIP 08733
These city-level factors differentiate ZIP 08733 from other communities in New Jersey County and provide geographic context for its hazard exposure.
Population
2,816
Small TownGeographic Zone
Atlantic Coast
Hurricane, nor'easter & coastal flood risk
Climate Band
Moderate Continental
Latitude 40.0°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — seasonal fire risk
Fire score: 9.6/10
Coordinates
40.0262° N, 74.3713° 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 08733
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.