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Natural hazards · Harvey Cedars

Harvey Cedars, NJ natural hazards

Most of the natural-hazard damage FEMA expects in Harvey Cedars comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 648 claims here since 1979. 8 federal disasters brought FEMA money into town.

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

How exposed is Harvey Cedars?

81
Very high
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Harvey Cedars to be higher than in 81% of U.S. communities, mostly from inland flooding and coastal flooding.

Inland flooding55%Coastal flooding25%Strong wind13%Everything else7%
By hazard

What Harvey Cedars faces

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

Inland flooding

55% of expected damage
Well above average · higher than 79% of U.S. places
Recorded about 3 times a year in the area

Coastal flooding

25% of expected damage
Well above average · among the top 1% of U.S. places

Strong wind

13% of expected damage
Well above average · among the top 1% of U.S. places
Recorded about 4 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat 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 Harvey Cedars flood?

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

648paid claims since 1979
$11.3Mpaid to owners
18homes flooded more than once
19792026

Biggest named events

  • Hurricane Sandy: 466 claims, $9.9M
  • December Storm - Nor'easter: 119 claims, $1.1M
  • The “Halloween” storm: 14 claims, $47K

Homes that flooded again and again

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

of homes in flood zones
are insured
of all homes
are insured
🏷️ 15% off flood insurance. Harvey Cedars is in FEMA’s Community Rating System (class 7) for its flood-proofing work.
Insurance rates: Ocean County.

What’s been done with FEMA grants

13homes raised above flood level
Disasters that hit Harvey Cedars

8 federal disasters brought FEMA money here

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

Brought FEMA money into Harvey CedarsDeclared for Ocean County only
2021

Severe Winter Storm and Snowstorm

$144K to the Borough of Harvey Cedars for repairs
2016

Severe Winter Storm and Snowstorm

$26K to the Borough of Harvey Cedars for repairs
2012

Hurricane Sandy

258 households applied for aid $312K aid approved $657K to the Borough of Harvey Cedars for repairs
2011

Hurricane Irene

$4K to the Borough of Harvey Cedars for repairs
2010

Severe Winter Storm and Snowstorm

$7K to the Borough of Harvey Cedars for repairs
2010

Severe Storms and Flooding

1 household applied for aid $32K to the Borough of Harvey Cedars for repairs
2009

Snowstorm

$6K to the Borough of Harvey Cedars for repairs
2009

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

$69K to the Borough of Harvey Cedars for repairs
Ocean County has had 27 natural disasters declared since 1953, most often winter storms and hurricanes.
Around Harvey Cedars

Harvey Cedars and the towns around it

Long Beach: Very high, mostly inland floodingBarnegat: Moderate, mostly inland floodingStafford: High, mostly inland floodingOcean: High, mostly inland floodingEagleswood: High, mostly coastal floodingLittle Egg Harbor: High, mostly inland floodingBeach Haven: Very high, mostly inland floodingBarnegat Light: Very high, mostly inland floodingShip Bottom: Very high, mostly inland floodingSurf City: Very high, mostly inland floodingLacey: High, mostly inland floodingWoodland: Moderate, mostly inland floodingHarvey Cedars: Very high, mostly inland flooding Harvey CedarsLong BeachBarnegatStafford
Very lowLowModerateHighVery high
Long Beachmostly inland floodingVery high
Harvey Cedarsmostly inland floodingVery high
Staffordmostly inland floodingHigh
Barnegatmostly 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. Harvey Cedars 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 Harvey Cedars’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Borough of Harvey Cedars. 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.

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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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