Natural hazards · Lake Como

Lake Como, NJ natural hazards

Most of the natural-hazard damage FEMA expects in Lake Como comes from strong winds, and overall the risk is low for a U.S. community. Flood insurance has paid 36 claims here since 1992. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Lake Como?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lake Como to be higher than in 38% of U.S. communities, mostly from strong winds and inland flooding.

Strong wind42%Inland flooding29%Hurricanes8%Heat waves7%Everything else15%

By hazard

What Lake Como faces

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

Strong wind

42% of expected damage

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

Recorded about 5 times a year in the area

Inland flooding

29% of expected damage

Well below average · higher than 8% of U.S. places

Recorded about 4 times a year in the area

Hurricanes

8% of expected damage

Well above average · higher than 81% of U.S. places

Recorded about once every 5 years in the area

Heat waves

7% of expected damage

Well below average · higher than 4% of U.S. places

Recorded about 3 times a year 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 Lake Como flood?

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

36paid claims since 1992

$2.4Mpaid to owners

3homes flooded more than once

19922026

Biggest named events

Hurricane Sandy: 27 claims, $2.4M
Torrential rain: 4 claims, $11K
Hurricane Irene: 1 claim, $3K

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. Lake Como 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 Lake Como

5 federal disasters brought FEMA money here

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

Brought FEMA money into Lake ComoDeclared for Monmouth County only

2020

Tropical Storm Isaias

$7K to the Borough of Lake Como for repairs

2012

Hurricane Sandy

141 households applied for aid $447K aid approved $399K to the Borough of Lake Como for repairs

2011

Hurricane Irene

7 households applied for aid $573 aid approved $6K to the Borough of Lake Como for repairs

2010

Severe Winter Storm and Snowstorm

$6K to the Borough of Lake Como for repairs

2010

Severe Storms and Flooding

1 household applied for aid $47K to the Borough of Lake Como for repairs

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

Around Lake Como

Lake Como and the towns around it

Very lowLowModerateHighVery high

Belmarmostly strong windsModerate

Spring Lakemostly strong windsModerate

Lake Comomostly strong windsLow

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. Lake Como covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Lake Como’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Borough of Lake Como. 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 Lake Como total about $402K 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.