Natural hazards · Colts Neck

Colts Neck, NJ natural hazards

Most of the natural-hazard damage FEMA expects in Colts Neck comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 27 claims here since 1978. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Colts Neck?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Colts Neck to be higher than in 61% of U.S. communities, mostly from inland flooding and strong winds.

Inland flooding37%Strong wind28%Earthquakes14%Heat waves7%Hurricanes7%Everything else7%

By hazard

What Colts Neck faces

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

Inland flooding

37% of expected damage

Below average · higher than 47% of U.S. places

Recorded about 4 times a year in the area

Strong wind

28% of expected damage

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

Recorded about 5 times a year in the area

Earthquakes

14% of expected damage

Above average · higher than 67% of U.S. places

Heat waves

7% of expected damage

Well below average · higher than 5% of U.S. places

Recorded about 7 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

Lower here

Coastal floodingTornadoesHailIce stormsWinter weatherCold 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 Colts Neck flood?

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

27paid claims since 1978

$560Kpaid to owners

3homes flooded more than once

19782026

Biggest named events

Hurricane Irene: 7 claims, $86K
Hurricane Sandy: 2 claims, $35K
Not a named storm: 2 claims, $5K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

No community discount. Colts Neck isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Monmouth County.

Disasters that hit Colts Neck

6 federal disasters brought FEMA money here

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

Brought FEMA money into Colts NeckDeclared for Monmouth County only

2020

Tropical Storm Isaias

$292K to the Township of Colts Neck for repairs

2016

Severe Winter Storm and Snowstorm

$155K to the Township of Colts Neck for repairs

2012

Hurricane Sandy

185 households applied for aid $30K aid approved $1.8M to the Township of Colts Neck for repairs

2011

Hurricane Irene

165 households applied for aid $338K aid approved $136K to the Township of Colts Neck for repairs

2010

Severe Winter Storm and Snowstorm

$131K to the Township of Colts Neck for repairs

2010

Severe Storms and Flooding

16 households applied for aid $16K aid approved

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

Around Colts Neck

Colts Neck and the towns around it

Very lowLowModerateHighVery high

Marlboromostly inland floodingHigh

Colts Neckmostly inland floodingHigh

Middletownmostly inland floodingHigh

Holmdelmostly inland floodingModerate

Howellmostly inland floodingModerate

Tinton Fallsmostly 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. Colts Neck covers 3 census tracts, combined by population.

Money that reached townFlood claims are matched to Colts Neck’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Colts Neck. 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 Colts Neck total about $6.5M 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.