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Natural hazards · Little Silver

Little Silver, NJ natural hazards

Most of the natural-hazard damage FEMA expects in Little Silver comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 345 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 Little Silver?

67
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Little Silver to be higher than in 67% of U.S. communities, mostly from inland flooding and strong winds.

Inland flooding46%Strong wind29%Hurricanes6%Coastal flooding6%Heat waves5%Everything else8%
By hazard

What Little Silver faces

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

Inland flooding

46% of expected damage
Above average · higher than 56% of U.S. places
Recorded about 4 times a year in the area

Strong wind

29% of expected damage
Well above average · among the top 1% of U.S. places
Recorded about 5 times a year in the area

Hurricanes

6% of expected damage
Well above average · higher than 81% of U.S. places
Recorded about once every 5 years in the area

Coastal flooding

6% of expected damage
Well above average · higher than 98% of U.S. places

Heat waves

5% of expected damage
Well below average · higher than 5% of U.S. places
Recorded about 4 times a year in the area

Lower here

TornadoesHailIce 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 Little Silver flood?

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

345paid claims since 1979
$33.3Mpaid to owners
25homes flooded more than once
19792026

Biggest named events

  • Hurricane Sandy: 198 claims, $29.8M
  • December Storm - Nor'easter: 94 claims, $3.1M
  • Hurricane Irene: 12 claims, $177K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (5) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
No community discount. Little Silver 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

1homes raised above flood level
Disasters that hit Little Silver

6 federal disasters brought FEMA money here

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

Brought FEMA money into Little SilverDeclared for Monmouth County only
2020

Tropical Storm Isaias

$60K to the Borough of Little Silver for repairs
2016

Severe Winter Storm and Snowstorm

$37K to the Borough of Little Silver for repairs
2012

Hurricane Sandy

328 households applied for aid $1.6M aid approved $2.0M to the Borough of Little Silver for repairs
2011

Hurricane Irene

40 households applied for aid $49K aid approved $46K to the Borough of Little Silver for repairs
2010

Severe Winter Storm and Snowstorm

$47K to the Borough of Little Silver for repairs
2010

Severe Storms and Flooding

13 households applied for aid $9K aid approved $33K to the Borough of Little Silver for repairs
Monmouth County has had 22 natural disasters declared since 1953, most often hurricanes and winter storms.
Around Little Silver

Little Silver and the towns around it

Red Bank: Moderate, mostly inland floodingOceanport: High, mostly inland floodingShrewsbury: Moderate, mostly inland floodingRumson: High, mostly inland floodingMonmouth Beach: High, mostly inland floodingMiddletown: High, mostly inland floodingFair Haven: Moderate, mostly inland floodingTinton Falls: Moderate, mostly strong windsWest Long Branch: Moderate, mostly inland floodingLong Branch: High, mostly inland floodingEatontown: High, mostly inland floodingSea Bright: Very high, mostly coastal floodingLittle Silver: High, mostly inland flooding Little SilverRed BankOceanportShrewsburyRumsonMonmouth Beach
Very lowLowModerateHighVery high
Monmouth Beachmostly inland floodingHigh
Oceanportmostly inland floodingHigh
Little Silvermostly inland floodingHigh
Rumsonmostly inland floodingHigh
Shrewsburymostly 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. Little Silver covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Little Silver’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Borough of Little Silver. 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 Little Silver total about $3.7M 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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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
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