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Natural hazards · Beachwood

Beachwood, NJ natural hazards

Most of the natural-hazard damage FEMA expects in Beachwood comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 29 claims here since 1984. 6 federal disasters brought FEMA money into town.

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

How exposed is Beachwood?

44
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Beachwood to be higher than in 44% of U.S. communities, mostly from inland flooding and strong winds.

Inland flooding47%Strong wind21%Hurricanes8%Cold waves6%Heat waves6%Everything else11%
By hazard

What Beachwood faces

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

Inland flooding

47% of expected damage
Below average · higher than 41% of U.S. places
Recorded about 3 times a year in the area

Strong wind

21% of expected damage
Well above average · among the top 1% of U.S. places
Recorded about 4 times a year in the area

Hurricanes

8% of expected damage
Well above average · higher than 81% of U.S. places
Recorded about once every 5 years in the area

Cold waves

6% of expected damage
Below average · higher than 34% of U.S. places
Recorded about once a year in the area

Heat waves

6% of expected damage
Well below average · higher than 5% of U.S. places
Recorded about 7 times a year in the area

Lower here

Coastal floodingTornadoesHailIce stormsWinter weatherWildfireEarthquakesLandslidesLightningDrought

Not a risk here

AvalanchesTsunamisVolcanic 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 Beachwood flood?

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

29paid claims since 1984
$1.3Mpaid to owners
1homes flooded more than once
19842026

Biggest named events

  • Hurricane Sandy: 23 claims, $1.2M
  • December Storm - Nor'easter: 1 claim, $37K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
No community discount. Beachwood isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Ocean County.
Disasters that hit Beachwood

6 federal disasters brought FEMA money here

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

Brought FEMA money into BeachwoodDeclared for Ocean County only
2016

Severe Winter Storm and Snowstorm

$25K to the Borough of Beachwood for repairs
2012

Hurricane Sandy

409 households applied for aid $147K aid approved $1.3M to the Borough of Beachwood for repairs
2011

Hurricane Irene

11 households applied for aid $9K aid approved $19K to the Borough of Beachwood for repairs
2010

Severe Winter Storm and Snowstorm

$24K to the Borough of Beachwood for repairs
2010

Severe Storms and Flooding

9 households applied for aid $6K aid approved $20K to the Borough of Beachwood for repairs
2009

Snowstorm

$32K to the Borough of Beachwood for repairs
Ocean County has had 27 natural disasters declared since 1953, most often winter storms and hurricanes.
Around Beachwood

Beachwood and the towns around it

South Toms River: High, mostly inland floodingBerkeley: High, mostly inland floodingToms River: High, mostly inland floodingHoliday Heights: Moderate, mostly inland floodingHoliday City South: Moderate, mostly inland floodingLacey: High, mostly inland floodingOcean: High, mostly inland floodingPine Beach: Moderate, mostly inland floodingSeaside Park: Very high, mostly inland floodingHoliday City-Berkeley: High, mostly inland floodingSeaside Heights: High, mostly inland floodingIsland Heights: Moderate, mostly inland floodingBeachwood: Moderate, mostly inland flooding BeachwoodSouth Toms RiverBerkeley
Very lowLowModerateHighVery high
South Toms Rivermostly inland floodingHigh
Berkeleymostly inland floodingHigh
Beachwoodmostly inland floodingModerate
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. Beachwood covers 3 census tracts, combined by population.
Money that reached townFlood claims are matched to Beachwood’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Borough of Beachwood. 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 Beachwood total about $2.0M 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.

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