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Natural hazards · Marlboro

Marlboro, NJ natural hazards

Most of the natural-hazard damage FEMA expects in Marlboro comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 54 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 Marlboro?

63
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Marlboro to be higher than in 63% of U.S. communities, mostly from inland flooding and strong winds.

Inland flooding44%Strong wind33%Heat waves9%Hurricanes6%Everything else9%
By hazard

What Marlboro faces

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

Inland flooding

44% of expected damage
Above average · higher than 52% 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 6 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

6% of expected damage
Well above average · higher than 79% of U.S. places
Recorded about once every 6 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 Marlboro flood?

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

54paid claims since 1979
$533Kpaid to owners
8homes flooded more than once
19792026

Biggest named events

  • Hurricane Irene: 14 claims, $106K
  • March 2010 Nor'easter: 7 claims, $46K
  • Hurricane Ida: 3 claims, $58K

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. Marlboro 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 Marlboro

6 federal disasters brought FEMA money here

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

Brought FEMA money into MarlboroDeclared for Monmouth County only
2020

Tropical Storm Isaias

$646K to the Township of Marlboro for repairs
2016

Severe Winter Storm and Snowstorm

$441K to the Township of Marlboro for repairs
2012

Hurricane Sandy

362 households applied for aid $62K aid approved $2.4M to the Township of Marlboro for repairs
2011

Hurricane Irene

468 households applied for aid $867K aid approved $319K to the Township of Marlboro for repairs
2010

Severe Winter Storm and Snowstorm

$267K to the Township of Marlboro for repairs
2010

Severe Storms and Flooding

41 households applied for aid $47K aid approved $84K to the Township of Marlboro for repairs
Monmouth County has had 22 natural disasters declared since 1953, most often hurricanes and winter storms.
Around Marlboro

Marlboro and the towns around it

Holmdel: Moderate, mostly inland floodingFreehold: Moderate, mostly inland floodingColts Neck: High, mostly inland floodingManalapan: High, mostly inland floodingMatawan: High, mostly inland floodingAberdeen: Moderate, mostly inland floodingHazlet: High, mostly inland floodingMiddletown: High, mostly inland floodingHowell: Moderate, mostly inland floodingJackson: Moderate, mostly inland floodingTinton Falls: Moderate, mostly strong windsMonroe: Moderate, mostly inland floodingMillstone: High, mostly inland floodingOld Bridge: Moderate, mostly inland floodingKeyport: Moderate, mostly strong windsKeansburg: Moderate, mostly inland floodingMarlboro: High, mostly inland flooding MarlboroHolmdelFreeholdColts NeckManalapanMatawanAberdeen
Very lowLowModerateHighVery high
Manalapanmostly inland floodingHigh
Matawanmostly inland floodingHigh
Marlboromostly inland floodingHigh
Colts Neckmostly inland floodingHigh
Freeholdmostly inland floodingModerate
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. Marlboro covers 8 census tracts, combined by population.
Money that reached townFlood claims are matched to Marlboro’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Marlboro. 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 Marlboro total about $22.1M 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/15 · 2025-01-01
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