Natural hazards · Beach Haven

Beach Haven, NJ natural hazards

Most of the natural-hazard damage FEMA expects in Beach Haven comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 2,192 claims here since 1978. 8 federal disasters brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Beach Haven?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Beach Haven to be higher than in 87% of U.S. communities, mostly from inland flooding and coastal flooding.

Inland flooding44%Coastal flooding43%Strong wind7%Everything else6%

By hazard

What Beach Haven faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

44% of expected damage

Well above average · higher than 78% of U.S. places

Recorded about 3 times a year in the area

Coastal flooding

43% of expected damage

Well above average · among the top 1% of U.S. places

Strong wind

7% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about 3 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesLightning

Not a risk here

DroughtAvalanchesTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Beach Haven flood?

Every paid claim on a federal flood insurance policy in Beach Haven, from FEMA’s records.

2,192paid claims since 1978

$88.6Mpaid to owners

85homes flooded more than once

19782026

Biggest named events

Hurricane Sandy: 1,437 claims, $79.5M
December Storm - Nor'easter: 403 claims, $5.5M
The “Halloween” storm: 51 claims, $367K

Homes that flooded again and again

Each house = 2 homes. ■ FEMA “severe repetitive loss” (19) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

🏷️ 25% off flood insurance. Beach Haven is in FEMA’s Community Rating System (class 5) for its flood-proofing work.

Insurance rates: Ocean County.

What’s been done with FEMA grants

56homes raised above flood level

Disasters that hit Beach Haven

8 federal disasters brought FEMA money here

Disasters the President declared that paid out in Beach Haven itself: aid to households, or repair grants to the Borough of Beach Haven.

Brought FEMA money into Beach HavenDeclared for Ocean County only

2021

Severe Winter Storm and Snowstorm

$79K to the Borough of Beach Haven for repairs

2016

Severe Winter Storm and Snowstorm

$14K to the Borough of Beach Haven for repairs

2012

Hurricane Sandy

2,294 households applied for aid $4.9M aid approved $3.3M to the Borough of Beach Haven for repairs

2011

Hurricane Irene

3 households applied for aid $29K to the Borough of Beach Haven for repairs

2010

Severe Winter Storm and Snowstorm

$28K to the Borough of Beach Haven for repairs

2010

Severe Storms and Flooding

6 households applied for aid $7K aid approved

2009

Snowstorm

$27K to the Borough of Beach Haven for repairs

2009

Severe Storms and Flooding Associated With Tropical Depression Ida and a Nor'eas

$58K to the Borough of Beach Haven for repairs

Ocean County has had 27 natural disasters declared since 1953, most often winter storms and hurricanes.

Around Beach Haven

Beach Haven and the towns around it

Very lowLowModerateHighVery high

Beach Havenmostly inland floodingVery high

Long Beachmostly inland floodingVery high

Little Egg Harbormostly inland floodingHigh

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Beach Haven covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Beach Haven’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Borough of Beach Haven. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Beach Haven total about $3.1M a year, counting buildings, people and crops.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.