Natural hazards · Mantoloking

Mantoloking, NJ natural hazards

Most of the natural-hazard damage FEMA expects in Mantoloking comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 564 claims here since 1978. 7 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Mantoloking?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Mantoloking to be higher than in 87% of U.S. communities, mostly from inland flooding and coastal flooding.

Inland flooding50%Coastal flooding32%Strong wind11%Everything else7%

By hazard

What Mantoloking faces

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

Inland flooding

50% of expected damage

Well above average · higher than 84% of U.S. places

Recorded about 3 times a year in the area

Coastal flooding

32% of expected damage

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

Strong wind

11% of expected damage

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

Recorded about 5 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 Mantoloking flood?

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

564paid claims since 1978

$93.3Mpaid to owners

13homes flooded more than once

19782026

Biggest named events

Hurricane Sandy: 457 claims, $91.3M
December Storm - Nor'easter: 54 claims, $1.0M
Hurricane Irene: 17 claims, $339K

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

🏷️ 25% off flood insurance. Mantoloking is in FEMA’s Community Rating System (class 5) for its flood-proofing work.

Insurance rates: Ocean County.

What’s been done with FEMA grants

12homes raised above flood level

1buildings retrofitted against wind

Disasters that hit Mantoloking

7 federal disasters brought FEMA money here

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

Brought FEMA money into MantolokingDeclared for Ocean County only

2021

Severe Winter Storm and Snowstorm

$17K to the Borough of Mantoloking for repairs

2016

Severe Winter Storm and Snowstorm

$237K to the Borough of Mantoloking for repairs

2012

Hurricane Sandy

1,124 households applied for aid $4.7M aid approved $8.8M to the Borough of Mantoloking for repairs

2011

Hurricane Irene

12 households applied for aid $6K aid approved $61K to the Borough of Mantoloking for repairs

2010

Severe Winter Storm and Snowstorm

$7K to the Borough of Mantoloking for repairs

2009

Snowstorm

$9K to the Borough of Mantoloking for repairs

2009

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

$35K to the Borough of Mantoloking for repairs

Ocean County has had 27 natural disasters declared since 1953, most often winter storms and hurricanes.

Around Mantoloking

Mantoloking and the towns around it

Very lowLowModerateHighVery high

Mantolokingmostly inland floodingVery high

Bay Headmostly inland floodingVery high

Brickmostly 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. Mantoloking 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 Mantoloking’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Borough of Mantoloking. 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.