Natural hazards · Cape May Point

Cape May Point, NJ natural hazards

Most of the natural-hazard damage FEMA expects in Cape May Point comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 91 claims here since 1979. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Cape May Point?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cape May Point to be higher than in 74% of U.S. communities, mostly from inland flooding and coastal flooding.

Inland flooding45%Coastal flooding22%Hurricanes17%Strong wind8%Everything else8%

By hazard

What Cape May Point faces

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

Inland flooding

45% of expected damage

Above average · higher than 61% of U.S. places

Recorded about 2 times a year in the area

Coastal flooding

22% of expected damage

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

Hurricanes

17% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about once every 6 years in the area

Strong wind

8% 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

TornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesLightningDrought

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 Cape May Point flood?

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

91paid claims since 1979

$839Kpaid to owners

7homes flooded more than once

19792026

Biggest named events

Hurricane Gloria: 14 claims, $53K
The “Halloween” storm: 10 claims, $40K
Hurricane Sandy: 6 claims, $203K

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

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

Insurance rates: Cape May County.

Disasters that hit Cape May Point

5 federal disasters brought FEMA money here

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

Brought FEMA money into Cape May PointDeclared for Cape May County only

2012

Hurricane Sandy

5 households applied for aid $21K to the Borough of Cape May Point for repairs

2011

Hurricane Irene

$5K to the Borough of Cape May Point for repairs

2010

Severe Winter Storm and Snowstorm

$12K to the Borough of Cape May Point for repairs

2010

Severe Storms and Flooding

2 households applied for aid $2K aid approved

2009

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

$1K to the Borough of Cape May Point for repairs

Cape May County has had 27 natural disasters declared since 1953, most often hurricanes and floods.

Around Cape May Point

Cape May Point and the towns around it

Very lowLowModerateHighVery high

Cape May Pointmostly inland floodingHigh

Lowermostly 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. Cape May Point is smaller than a census tract, so it shares the figures of the tract around its center.

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

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.