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Natural hazard risk in Ocean County, New Jersey

Updated October 30, 2026. Based on FEMA, NOAA and OpenFEMA data. Published by Humblebee.

FEMA overall Risk Index rating: Relatively High (score 96.1 of 100)[5]

Expected annual loss (FEMA)
$203.7 million[1]
Federal disaster declarations since 1965
30[2]
NFIP flood claims paid, 1978 to 2026
$2.61 billion[3]
Tornadoes recorded, 1950 to 2024
19[4]

FEMA's National Risk Index rates overall natural hazard risk for Ocean County as Relatively High, with a score of 96.1[5]. FEMA's highest hazard-type scores in the county are for strong wind, winter weather and coastal flooding[6].

FEMA risk ratings for each hazard

Ratings and expected losses from the FEMA National Risk Index. Each rating compares this county with all US counties for that hazard, from Very Low to Very High. They are planning estimates, not predictions, and they do not describe any single property.

FEMA's scores compare Ocean County with all other US counties[7]. FEMA lists $203.7 million a year in Expected Annual Loss from all 18 natural hazards[1]. Expected Annual Loss is FEMA's estimate of the average yearly economic loss, and the index is not meant to predict next year's damage[7]. By Expected Annual Loss, FEMA's largest hazards are inland flooding ($99.8 million a year), strong wind ($38.6 million a year) and coastal flooding ($19.2 million a year)[8]. FEMA rates Social Vulnerability as Relatively Moderate (score 48.5), which describes how susceptible social groups are to harm from natural hazards[9]. FEMA rates Community Resilience as Very High (score 90.1), which describes a community's ability to prepare for, withstand and recover from hazards[10].

Hazards sorted by FEMA hazard-type Risk Index score, highest first
HazardFEMA risk ratingExpected annual loss
Strong WindVery High$38.6 million[11]
Winter WeatherVery High$2.2 million[12]
Coastal FloodingVery High$19.2 million[13]
LightningVery High$2.8 million[14]
Inland FloodingRelatively High$99.8 million[15]
Heat WaveRelatively Moderate$6.6 million[16]
WildfireRelatively Moderate$3.6 million[17]
Ice StormRelatively High$1.4 million[18]
HurricaneRelatively High$13.4 million[19]
EarthquakeRelatively Moderate$7.2 million[20]
Cold WaveRelatively High$7.2 million[21]
DroughtRelatively Low$318,000[22]
HailRelatively Low$366,000[23]
LandslideVery Low$2,016[24]
TornadoRelatively Low$1.1 million[25]

Rated Not Applicable by FEMA for this county: avalanche, volcanic activity[26].

Social vulnerability and community resilience

FEMA uses these two ratings to scale expected losses into the Risk Index.

FEMA measureRatingScore
Social vulnerabilityRelatively Moderate48.5[9]
Community resilienceVery High90.1[10]

Flooding and flood insurance

FEMA rates coastal flooding Very High (score 98.2) and inland flooding Relatively High (score 96.7) compared with other US counties[13][15]. OpenFEMA data as of 2026-08-03 lists 35,624 residential flood insurance contracts in force, a penetration rate of 16.6% of residential structures[27]. Inside FEMA's mapped Special Flood Hazard Area, 70.8% of homes are insured[27]. OpenFEMA NFIP claims from 1978 to 2026 show 52,884 claims filed for losses in the county, and NFIP paid $2.61 billion in total[3]. To learn the flood zone of an address, use FEMA's Flood Map Service Center[28].

Measure Value
Coastal Flooding, FEMA risk rating[13] Very High, $19.2 million expected loss a year
Inland Flooding, FEMA risk rating[15] Relatively High, $99.8 million expected loss a year
NFIP residential flood policies in force (2026)[27] 35,624 of 214,768 homes
Homes in FEMA's mapped high-risk flood area (SFHA)[27] 47,067, of which 33,329 insured
NFIP flood claims, 1978 to 2026[3] 52,884 filed, $2.61 billion paid

Is a specific address in a flood zone? Only FEMA's flood maps answer that, property by property[28]. This page describes the whole county.

Search an address on the FEMA Flood Map Service Center

Disaster declarations and tornado records

OpenFEMA lists 30 federal disaster declarations for natural hazards that include Ocean County since 1965[2]. Hurricane declarations number 8 and snowstorm declarations number 6[2]. The most recent listed is FM-5581-NJ, the Jones Road Fire, declared 2025-04-24[29]. NOAA's tornado database records 19 tornadoes touching the county from 1950 to 2024, and the most recent was on 2023-04-01[4].

Federal disaster declarations for natural hazards that include Ocean County, since 1965
Incident type Declarations
Hurricane[2] 8
Snowstorm[2] 6
Flood[2] 4
Severe Storm[2] 4
Fire[2] 4
Drought[2] 2
Severe Ice Storm[2] 1
Coastal Storm[2] 1
Most recent declarations
Declaration Incident Declared
FM-5581-NJ[29] Jones Road Fire 2025-04-24
DR-4614-NJ[29] Remnants Of Hurricane Ida 2021-09-05
EM-3573-NJ[29] Remnants Of Hurricane Ida 2021-09-02
DR-4597-NJ[29] Severe Winter Storm And Snowstorm 2021-04-28
DR-4264-NJ[29] Severe Winter Storm And Snowstorm 2016-03-14

How to prepare

Steps from Ready.gov, FEMA's preparedness site, for the hazards with the highest FEMA ratings here. Follow instructions from local officials and the National Weather Service when a warning is issued.

Winter storms and cold

Before

  • Insulate your home and learn how to keep pipes from freezing.
  • Install and test smoke and carbon monoxide detectors with battery backup.
  • Keep several days of supplies in case the power goes out, including medication and pet needs.
  • Put an emergency kit in your car with jumper cables, sand, blankets, water and snacks, and keep the tank full.

During

  • Under a winter storm warning, find shelter right away.
  • Stay off the roads if you can. If you are stuck in your car, stay inside it.
  • Run generators and grills only outdoors, away from windows, and never heat your home with an oven or stove.

Source: Ready.gov, winter storms and cold

Floods

Before

  • Check your flood risk with FEMA's Flood Map Service Center, and remember that floods do not follow map lines.
  • Sign up for your community's warning system. NOAA Weather Radio also broadcasts alerts.
  • Buy flood insurance through the NFIP well before a disaster. Homeowners policies do not cover flooding, and a new policy typically takes up to 30 days to go into effect.
  • Make a household plan with evacuation routes, shelter locations and what to do in a flash flood.
  • Keep important documents in a waterproof container and make password-protected digital copies.

During

  • If you are told to evacuate, leave right away and never drive around barricades.
  • Do not walk, swim or drive through floodwater. Six inches of moving water can knock you down.
  • If you are trapped in a building, go to the highest level, but do not climb into a closed attic.

Source: Ready.gov, floods

Extreme heat

Before

  • Learn the signs of heat illness and how to respond.
  • Do not rely on a fan as your main way to stay cool. Fans do not lower body temperature.
  • Find cool public places, such as libraries or malls, or ask your local health department.
  • Keep heat out with window shades, weather stripping and insulation.
  • If you cannot afford cooling costs, contact LIHEAP for help.

During

  • Never leave a person or an animal in a parked car in warm weather.
  • If your home has no air conditioning, go to a cooling center.
  • Wear light, loose clothing, drink plenty of fluids and avoid hard outdoor work in the middle of the day.

Source: Ready.gov, extreme heat

Questions people ask

Is Ocean County at risk of flooding?
FEMA rates coastal flooding Very High and inland flooding Relatively High for Ocean County compared with other US counties[13][15]. FEMA's largest Expected Annual Loss comes from inland flooding at $99.8 million a year[8].
How many disasters have been declared in Ocean County?
OpenFEMA lists 30 federal disaster declarations for natural hazards that include Ocean County since 1965[2].
Does Ocean County get tornadoes?
NOAA's tornado database records 19 tornadoes touching Ocean County from 1950 to 2024[4]. FEMA rates tornado risk Relatively Low compared with other US counties[25].
How do I check my flood zone in Ocean County?
County ratings do not show the flood zone of one address. Look up the address at FEMA's Flood Map Service Center or ask the local floodplain manager[28].
Is Ocean County at risk of hurricanes?
FEMA rates hurricane risk Relatively High for Ocean County compared with other US counties[19]. OpenFEMA lists 8 hurricane declarations that include the county[2].

Facts and sources

  1. FEMA National Risk Index (version 1.20, December 2025): Expected Annual Loss from all 18 natural hazards in Ocean County is $203.7 million a year (Expected Annual Loss rating Relatively High, score 95.7). Of this, buildings account for $174.5 million, injuries and deaths (converted to dollars by FEMA) for $28.6... FEMA National Risk Index
  2. OpenFEMA Disaster Declarations Summaries list 30 federal disaster declarations for natural hazards that include Ocean County since 1965 (18 major disaster, 12 emergency or fire management). By incident type: hurricane 8, snowstorm 6, flood 4, severe storm 4, fire 4, drought 2, severe ice storm 1, coastal storm 1.... OpenFEMA Disaster Declarations
  3. HazardFacts tally of OpenFEMA NFIP Redacted Claims (losses from 1978 to 2026): 52,884 National Flood Insurance Program claims were filed for losses in Ocean County, 45,509 of them with a payment, and NFIP paid $2.61 billion in total (building, contents and increased cost of compliance, in dollars of the year paid).... OpenFEMA NFIP claims
  4. NOAA Storm Prediction Center tornado database (1950 to 2024): 19 recorded tornadoes touched Ocean County. The strongest were rated F3 (most recent of them on 1983-07-21). 1 were rated F3/EF3 or stronger. The most recent recorded tornado was on 2023-04-01. Ratings used the Fujita scale until early 2007 and the... NOAA Storm Prediction Center
  5. FEMA National Risk Index (version 1.20, December 2025): the overall natural hazard Risk Index rating for Ocean County is Relatively High, with a Risk Index score of 96.1 out of 100. The score is the county's percentile rank among all US counties. FEMA National Risk Index
  6. Among the 18 hazards in the FEMA National Risk Index (version 1.20, December 2025), the hazards with the highest hazard-type Risk Index scores for Ocean County are strong wind (99.9, Very High), winter weather (99.4, Very High), coastal flooding (98.2, Very High). HazardFacts sorted FEMA's published scores; FEMA's... FEMA National Risk Index
  7. FEMA's National Risk Index FAQ (December 2025): Expected Annual Loss is FEMA's estimate of the average economic loss in dollars from natural hazards each year. The index is not meant to predict how much damage a community will have in the next year, and a hazard can still cause damage where a rating is low. Scores... FEMA National Risk Index documentation
  8. HazardFacts sorted FEMA's hazard-type Expected Annual Loss values for Ocean County (National Risk Index v1.20): the largest are inland flooding ($99.8 million a year), strong wind ($38.6 million a year), coastal flooding ($19.2 million a year), out of $203.7 million a year from all 18 hazards. FEMA National Risk Index
  9. FEMA National Risk Index (version 1.20, December 2025): Social Vulnerability rating for Ocean County is Relatively Moderate (score 48.5). FEMA describes social vulnerability as how susceptible social groups are to the harm natural hazards cause. FEMA National Risk Index
  10. FEMA National Risk Index (version 1.20, December 2025): Community Resilience rating for Ocean County is Very High (score 90.1). FEMA describes community resilience as a community's ability to prepare for, withstand and recover from hazards. FEMA National Risk Index
  11. FEMA National Risk Index (version 1.20, December 2025), strong wind in Ocean County: Risk Index rating Very High (score 99.9 of 100). Expected Annual Loss $38.6 million a year (rating Very High). Annualized frequency 4.38 events per year, from recorded occurrences over a period of record of 38 years. FEMA National Risk Index
  12. FEMA National Risk Index (version 1.20, December 2025), winter weather in Ocean County: Risk Index rating Very High (score 99.4 of 100). Expected Annual Loss $2.2 million a year (rating Very High). Annualized frequency 9.38 events per year, from recorded occurrences over a period of record of 18 years. FEMA National Risk Index
  13. FEMA National Risk Index (version 1.20, December 2025), coastal flooding in Ocean County: Risk Index rating Very High (score 98.2 of 100). Expected Annual Loss $19.2 million a year (rating Very High). FEMA's modeled annual frequency is 3.646 events per year. FEMA National Risk Index
  14. FEMA National Risk Index (version 1.20, December 2025), lightning in Ocean County: Risk Index rating Very High (score 97.9 of 100). Expected Annual Loss $2.8 million a year (rating Very High). Annualized frequency 30.14 events per year, from recorded occurrences over a period of record of 24 years. FEMA National Risk Index
  15. FEMA National Risk Index (version 1.20, December 2025), inland flooding in Ocean County: Risk Index rating Relatively High (score 96.7 of 100). Expected Annual Loss $99.8 million a year (rating Relatively High). Annualized frequency 3.43 event-days per year, from recorded occurrences over a period of record of 26... FEMA National Risk Index
  16. FEMA National Risk Index (version 1.20, December 2025), heat wave in Ocean County: Risk Index rating Relatively Moderate (score 95.7 of 100). Expected Annual Loss $6.6 million a year (rating Relatively Moderate). Annualized frequency 6.77 event-days per year, from recorded occurrences over a period of record of 18... FEMA National Risk Index
  17. FEMA National Risk Index (version 1.20, December 2025), wildfire in Ocean County: Risk Index rating Relatively Moderate (score 95.2 of 100). Expected Annual Loss $3.6 million a year (rating Relatively Moderate). FEMA's modeled annual frequency is 0.003 events per year. FEMA National Risk Index
  18. FEMA National Risk Index (version 1.20, December 2025), ice storm in Ocean County: Risk Index rating Relatively High (score 94.4 of 100). Expected Annual Loss $1.4 million a year (rating Relatively High). Annualized frequency 0.4 event-days per year, from recorded occurrences over a period of record of 68 years. FEMA National Risk Index
  19. FEMA National Risk Index (version 1.20, December 2025), hurricane in Ocean County: Risk Index rating Relatively High (score 93.2 of 100). Expected Annual Loss $13.4 million a year (rating Relatively High). Annualized frequency 0.2 events per year, from recorded occurrences over a period of record of 172 years for... FEMA National Risk Index
  20. FEMA National Risk Index (version 1.20, December 2025), earthquake in Ocean County: Risk Index rating Relatively Moderate (score 92.2 of 100). Expected Annual Loss $7.2 million a year (rating Relatively Moderate). FEMA's modeled annual frequency is 0.0018 events per year. FEMA National Risk Index
  21. FEMA National Risk Index (version 1.20, December 2025), cold wave in Ocean County: Risk Index rating Relatively High (score 90.5 of 100). Expected Annual Loss $7.2 million a year (rating Relatively High). Annualized frequency 0.78 event-days per year, from recorded occurrences over a period of record of 18 years. FEMA National Risk Index
  22. FEMA National Risk Index (version 1.20, December 2025), drought in Ocean County: Risk Index rating Relatively Low (score 62.8 of 100). Expected Annual Loss $318,000 a year (rating Relatively Low). Annualized frequency 7.09 event-days per year, from recorded occurrences over a period of record of 22 years. FEMA National Risk Index
  23. FEMA National Risk Index (version 1.20, December 2025), hail in Ocean County: Risk Index rating Relatively Low (score 60.4 of 100). Expected Annual Loss $366,000 a year (rating Relatively Low). Annualized frequency 1.44 events per year, from recorded occurrences over a period of record of 37 years. FEMA National Risk Index
  24. FEMA National Risk Index (version 1.20, December 2025), landslide in Ocean County: Risk Index rating Very Low (score 56.4 of 100). Expected Annual Loss $2,016 a year (rating Very Low). FEMA National Risk Index
  25. FEMA National Risk Index (version 1.20, December 2025), tornado in Ocean County: Risk Index rating Relatively Low (score 47.1 of 100). Expected Annual Loss $1.1 million a year (rating Relatively Low). Annualized frequency 0.24 events per year, from recorded occurrences over a period of record of 38 years. FEMA National Risk Index
  26. FEMA National Risk Index (version 1.20, December 2025) rates these hazards Not Applicable for Ocean County: avalanche, volcanic activity. FEMA uses Not Applicable when its source data has no historical record of the hazard in the community and the hazard is not considered geographically possible there. FEMA National Risk Index documentation
  27. NFIP Residential Penetration Rates (OpenFEMA, as of 2026-08-03): 35,624 residential flood insurance contracts were in force in Ocean County, out of 214,768 residential structures, a penetration rate of 16.6%. Inside FEMA's mapped Special Flood Hazard Area there were 47,067 residential structures and 33,329... OpenFEMA NFIP penetration rates
  28. FEMA's Flood Map Service Center is the official public source for flood maps (Flood Insurance Rate Maps) produced under the National Flood Insurance Program. Flood zones apply to specific properties: look up an address there or ask the local floodplain manager. County-level ratings do not tell you the flood zone of... FEMA Flood Map Service Center
  29. Most recent federal disaster declarations for natural hazards (table on this page). OpenFEMA Disaster Declarations

FEMA's National Risk Index compares each county with all other US counties. Ratings are relative (Very Low to Very High), not a measure of safety. Never call a place safe, unsafe, good or bad to live in. Risk Index and Expected Annual Loss values are FEMA estimates for planning. They do not predict next year's losses and do not apply to a single property. Flood zones are set by FEMA flood maps for specific properties. County ratings and flood insurance counts do not tell anyone whether an address is in a flood zone. Disaster declaration, NFIP and tornado counts are records of the past for this county only. Do not compare with other counties unless a fact does.

Federal Emergency Management Agency (FEMA), National Risk Index Dataset: National Risk Index Counties, v1.20 (December 2025). Retrieved from fema.maps.arcgis.com on October 30, 2026. This product uses the Federal Emergency Management Agency's National Risk Index dataset API or downloadable datasets but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s). This product uses the FEMA OpenFEMA API, but is not endorsed by FEMA.