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Natural hazards · Bradley Beach

Bradley Beach, NJ natural hazards

Most of the natural-hazard damage FEMA expects in Bradley Beach comes from strong winds, and overall the risk is moderate for a U.S. community. Flood insurance has paid 70 claims here since 1979. 6 federal disasters brought FEMA money into town.

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

How exposed is Bradley Beach?

46
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Bradley Beach to be higher than in 46% of U.S. communities, mostly from strong winds and inland flooding.

Strong wind39%Inland flooding38%Hurricanes8%Everything else15%
By hazard

What Bradley Beach faces

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

Strong wind

39% 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

38% of expected damage
Well below average · higher than 23% 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 Bradley Beach flood?

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

70paid claims since 1979
$2.8Mpaid to owners
5homes flooded more than once
19792026

Biggest named events

  • Hurricane Sandy: 38 claims, $2.5M
  • Hurricane Irene: 4 claims, $31K
  • December Storm - Nor'easter: 3 claims, $4K

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
🏷️ 15% off flood insurance. Bradley Beach is in FEMA’s Community Rating System (class 7) for its flood-proofing work.
Insurance rates: Monmouth County.
Disasters that hit Bradley Beach

6 federal disasters brought FEMA money here

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

Brought FEMA money into Bradley BeachDeclared for Monmouth County only
2020

Tropical Storm Isaias

$22K to the Borough of Bradley Beach for repairs
2016

Severe Winter Storm and Snowstorm

$32K to the Borough of Bradley Beach for repairs
2012

Hurricane Sandy

321 households applied for aid $660K aid approved $2.6M to the Borough of Bradley Beach for repairs
2011

Hurricane Irene

17 households applied for aid $3K aid approved $135K to the Borough of Bradley Beach for repairs
2010

Severe Winter Storm and Snowstorm

$24K to the Borough of Bradley Beach for repairs
2010

Severe Storms and Flooding

2 households applied for aid $475 aid approved $92K to the Borough of Bradley Beach for repairs
Monmouth County has had 22 natural disasters declared since 1953, most often hurricanes and winter storms.
Around Bradley Beach

Bradley Beach and the towns around it

Avon-by-the-Sea: Moderate, mostly strong windsNeptune: Moderate, mostly strong windsBelmar: Moderate, mostly strong windsNeptune City: Moderate, mostly strong windsWall: Moderate, mostly strong windsTinton Falls: Moderate, mostly strong windsAsbury Park: Moderate, mostly inland floodingOcean: Moderate, mostly strong windsBradley Beach: Moderate, mostly strong winds Bradley BeachAvon-by-the-SeaNeptune
Very lowLowModerateHighVery high
Avon-by-the-Seamostly strong windsModerate
Neptunemostly strong windsModerate
Bradley Beachmostly strong windsModerate
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. Bradley Beach covers 2 census tracts, combined by population.
Money that reached townFlood claims are matched to Bradley Beach’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Borough of Bradley Beach. 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 Bradley Beach total about $1.4M 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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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
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