Natural hazards · Belmar

Belmar, NJ natural hazards

Most of the natural-hazard damage FEMA expects in Belmar comes from strong winds, and overall the risk is moderate for a U.S. community. Flood insurance has paid 431 claims here since 1978. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Belmar?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Belmar to be higher than in 43% of U.S. communities, mostly from strong winds and inland flooding.

Strong wind41%Inland flooding32%Hurricanes8%Everything else19%

By hazard

What Belmar faces

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

Strong wind

41% of expected damage

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

Recorded about 5 times a year in the area

Inland flooding

32% of expected damage

Well below average · higher than 12% of U.S. places

Recorded about 4 times a year in the area

Hurricanes

8% of expected damage

Well above average · higher than 80% of U.S. places

Recorded about once every 5 years in the area

Lower here

Coastal floodingTornadoesHailIce stormsWinter weatherCold wavesHeat wavesEarthquakesLandslidesLightning

Not a risk here

WildfireDroughtAvalanchesTsunamisVolcanic 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 Belmar flood?

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

431paid claims since 1978

$19.7Mpaid to owners

35homes flooded more than once

19782026

Biggest named events

Hurricane Sandy: 278 claims, $18.0M
Torrential rain: 33 claims, $420K
December Storm - Nor'easter: 32 claims, $390K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (3) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Monmouth County.

What’s been done with FEMA grants

2homes raised above flood level

Disasters that hit Belmar

2 federal disasters brought FEMA money here

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

Brought FEMA money into BelmarDeclared for Monmouth County only

2012

Hurricane Sandy

1,476 households applied for aid $5.4M aid approved

2011

Hurricane Irene

49 households applied for aid $50K aid approved

Monmouth County has had 22 natural disasters declared since 1953, most often hurricanes and winter storms.

Around Belmar

Belmar and the towns around it

Very lowLowModerateHighVery high

Avon-by-the-Seamostly strong windsModerate

Neptunemostly strong windsModerate

Wallmostly strong windsModerate

Belmarmostly strong windsModerate

Spring Lakemostly strong windsModerate

Lake Comomostly strong windsLow

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. Belmar covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Belmar’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Borough of Belmar. 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 Belmar 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.