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Natural hazards · Fair Haven

Fair Haven, NJ natural hazards

Most of the natural-hazard damage FEMA expects in Fair Haven comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 16 claims here since 1980. 6 federal disasters brought FEMA money into town.

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

How exposed is Fair Haven?

52
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Fair Haven to be higher than in 52% of U.S. communities, mostly from inland flooding and strong winds.

Inland flooding38%Strong wind35%Heat waves9%Hurricanes7%Everything else11%
By hazard

What Fair Haven faces

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

Inland flooding

38% of expected damage
Below average · higher than 30% of U.S. places
Recorded about 4 times a year in the area

Strong wind

35% of expected damage
Well above average · among the top 1% of U.S. places
Recorded about 5 times a year in the area

Heat waves

9% of expected damage
Well below average · higher than 5% 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

Lower here

Coastal floodingTornadoesHailIce stormsWinter weatherCold wavesWildfireEarthquakesLandslidesLightning

Not a risk here

DroughtAvalanchesTsunamisVolcanic 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 Fair Haven flood?

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

16paid claims since 1980
$317Kpaid to owners
0homes flooded more than once
19802026

Biggest named events

  • December Storm - Nor'easter: 5 claims, $68K
  • Hurricane Sandy: 3 claims, $205K
  • Hurricane Irene: 2 claims, $15K
of homes in flood zones
are insured
of all homes
are insured
No community discount. Fair Haven 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 Fair Haven

6 federal disasters brought FEMA money here

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

Brought FEMA money into Fair HavenDeclared for Monmouth County only
2020

Tropical Storm Isaias

$40K to the Borough of Fair Haven for repairs
2016

Severe Winter Storm and Snowstorm

$18K to the Borough of Fair Haven for repairs
2012

Hurricane Sandy

104 households applied for aid $122K aid approved $419K to the Borough of Fair Haven for repairs
2011

Hurricane Irene

9 households applied for aid $13K aid approved $26K to the Borough of Fair Haven for repairs
2010

Severe Winter Storm and Snowstorm

$19K to the Borough of Fair Haven for repairs
2010

Severe Storms and Flooding

7 households applied for aid $3K aid approved
Monmouth County has had 22 natural disasters declared since 1953, most often hurricanes and winter storms.
Around Fair Haven

Fair Haven and the towns around it

Red Bank: Moderate, mostly inland floodingMiddletown: High, mostly inland floodingRumson: High, mostly inland floodingLittle Silver: High, mostly inland floodingShrewsbury: Moderate, mostly inland floodingTinton Falls: Moderate, mostly strong windsAtlantic Highlands: Moderate, mostly inland floodingColts Neck: High, mostly inland floodingHolmdel: Moderate, mostly inland floodingKeansburg: Moderate, mostly inland floodingHighlands: Very high, mostly inland floodingSea Bright: Very high, mostly coastal floodingMonmouth Beach: High, mostly inland floodingFair Haven: Moderate, mostly inland flooding Fair HavenRed BankMiddletownRumson
Very lowLowModerateHighVery high
Middletownmostly inland floodingHigh
Rumsonmostly inland floodingHigh
Fair Havenmostly inland floodingModerate
Red Bankmostly inland floodingModerate
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. Fair Haven covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Fair Haven’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Borough of Fair Haven. 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 Fair Haven total about $2.3M 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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