Natural hazards · Loch Arbour

Loch Arbour, NJ natural hazards

Most of the natural-hazard damage FEMA expects in Loch Arbour comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 80 claims here since 1978. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Loch Arbour?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Loch Arbour to be higher than in 50% of U.S. communities, mostly from inland flooding and strong winds.

Inland flooding40%Strong wind40%Hurricanes8%Earthquakes5%Everything else7%

By hazard

What Loch Arbour faces

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

Inland flooding

40% of expected damage

Below average · higher than 25% of U.S. places

Recorded about 4 times a year in the area

Strong wind

40% of expected damage

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

Recorded about 5 times a year in the area

Hurricanes

8% of expected damage

Well above average · higher than 80% of U.S. places

Recorded about once every 5 years in the area

Earthquakes

5% of expected damage

Above average · higher than 65% of U.S. places

Lower here

Coastal floodingTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireLandslidesLightning

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 Loch Arbour flood?

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

80paid claims since 1978

$3.8Mpaid to owners

18homes flooded more than once

19782026

Biggest named events

Hurricane Sandy: 32 claims, $2.5M
Torrential rain: 20 claims, $236K
Hurricane Irene: 8 claims, $55K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

No community discount. Loch Arbour 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 Loch Arbour

3 federal disasters brought FEMA money here

Disasters the President declared that paid out in Loch Arbour itself: aid to households, or repair grants to the Village of Loch Arbour.

Brought FEMA money into Loch ArbourDeclared for Monmouth County only

2012

Hurricane Sandy

28 households applied for aid $22K aid approved $964K to the Village of Loch Arbour for repairs

2011

Hurricane Irene

6 households applied for aid $2K aid approved $7K to the Village of Loch Arbour for repairs

2010

Severe Winter Storm and Snowstorm

$7K to the Village of Loch Arbour for repairs

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

Around Loch Arbour

Loch Arbour and the towns around it

Very lowLowModerateHighVery high

Asbury Parkmostly inland floodingModerate

Loch Arbourmostly inland floodingModerate

Interlakenmostly inland floodingModerate

Allenhurstmostly 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. Loch Arbour 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 Loch Arbour’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Loch Arbour. 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.