Natural hazards · Holmdel

Holmdel, NJ natural hazards

Most of the natural-hazard damage FEMA expects in Holmdel comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 9 claims here since 1979. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Holmdel?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Holmdel to be higher than in 57% of U.S. communities, mostly from inland flooding and strong winds.

Inland flooding43%Strong wind33%Heat waves9%Hurricanes7%Everything else9%

By hazard

What Holmdel faces

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

Inland flooding

43% of expected damage

Below average · higher than 43% of U.S. places

Recorded about 4 times a year in the area

Strong wind

33% 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 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 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 Holmdel flood?

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

9paid claims since 1979

$191Kpaid to owners

1homes flooded more than once

19792026

Biggest named events

Hurricane Irene: 2 claims, $10K
December Storm - Nor'easter: 1 claim, $12K
Not a named storm: 1 claim, $859

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

No community discount. Holmdel 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.

What’s been done with FEMA grants

1buildings retrofitted against wind

Disasters that hit Holmdel

6 federal disasters brought FEMA money here

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

Brought FEMA money into HolmdelDeclared for Monmouth County only

2020

Tropical Storm Isaias

$323K to the Township of Holmdel for repairs

2016

Severe Winter Storm and Snowstorm

$135K to the Township of Holmdel for repairs

2012

Hurricane Sandy

229 households applied for aid $34K aid approved $2.2M to the Township of Holmdel for repairs

2011

Hurricane Irene

265 households applied for aid $585K aid approved $259K to the Township of Holmdel for repairs

2010

Severe Winter Storm and Snowstorm

$124K to the Township of Holmdel for repairs

2010

Severe Storms and Flooding

31 households applied for aid $20K aid approved $144K to the Township of Holmdel for repairs

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

Around Holmdel

Holmdel and the towns around it

Very lowLowModerateHighVery high

Marlboromostly inland floodingHigh

Colts Neckmostly inland floodingHigh

Hazletmostly inland floodingHigh

Middletownmostly inland floodingHigh

Aberdeenmostly inland floodingModerate

Holmdelmostly 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. Holmdel covers 3 census tracts, combined by population.

Money that reached townFlood claims are matched to Holmdel’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Holmdel. 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 Holmdel total about $9.9M 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.