Natural hazards · Brick

Brick, NJ natural hazards

Most of the natural-hazard damage FEMA expects in Brick comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 3,533 claims here since 1978. 7 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Brick?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Brick to be higher than in 59% of U.S. communities, mostly from inland flooding and strong winds.

Inland flooding51%Strong wind21%Hurricanes7%Coastal flooding5%Earthquakes5%Everything else12%

By hazard

What Brick faces

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

Inland flooding

51% of expected damage

Above average · higher than 55% 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 5 times a year in the area

Hurricanes

7% of expected damage

Well above average · higher than 81% of U.S. places

Recorded about once every 5 years in the area

Coastal flooding

5% of expected damage

Well above average · higher than 97% of U.S. places

Earthquakes

5% of expected damage

Above average · higher than 66% of U.S. places

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireLandslidesLightningDrought

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 Brick flood?

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

3,533paid claims since 1978

$283Mpaid to owners

89homes flooded more than once

19782026

Biggest named events

Hurricane Sandy: 3,058 claims, $277M
December Storm - Nor'easter: 174 claims, $2.5M
Hurricane Irene: 103 claims, $1.5M

Homes that flooded again and again

Each house = 2 homes. ■ FEMA “severe repetitive loss” (13) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

🏷️ 20% off flood insurance. Brick is in FEMA’s Community Rating System (class 6) for its flood-proofing work.

Insurance rates: Ocean County.

What’s been done with FEMA grants

230homes raised above flood level

4buildings floodproofed

Disasters that hit Brick

7 federal disasters brought FEMA money here

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

Brought FEMA money into BrickDeclared for Ocean County only

2016

Severe Winter Storm and Snowstorm

$667K to the Township of Brick for repairs

2012

Hurricane Sandy

5,655 households applied for aid $24.2M aid approved $14.5M to the Township of Brick for repairs

2011

Hurricane Irene

152 households applied for aid $60K aid approved $181K to the Township of Brick for repairs

2010

Severe Winter Storm and Snowstorm

$470K to the Township of Brick for repairs

2010

Severe Storms and Flooding

150 households applied for aid $146K aid approved $7K to the Township of Brick for repairs

2009

Snowstorm

$288K to the Township of Brick for repairs

2009

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

$19K to the Township of Brick for repairs

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

Around Brick

Brick and the towns around it

Very lowLowModerateHighVery high

Mantolokingmostly inland floodingVery high

Toms Rivermostly inland floodingHigh

Brickmostly inland floodingModerate

Point Pleasantmostly inland floodingModerate

Howellmostly inland floodingModerate

Wallmostly strong windsModerate

Lakewoodmostly inland floodingLow

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. Brick covers 17 census tracts, combined by population.

Money that reached townFlood claims are matched to Brick’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Brick. 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 Brick total about $21.1M 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.