Natural hazards · Neptune

Neptune, NJ natural hazards

Most of the natural-hazard damage FEMA expects in Neptune comes from strong winds, and overall the risk is moderate for a U.S. community. Flood insurance has paid 364 claims here since 1978. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Neptune?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Neptune to be higher than in 48% of U.S. communities, mostly from strong winds and inland flooding.

Strong wind38%Inland flooding33%Hurricanes7%Heat waves7%Everything else15%

By hazard

What Neptune faces

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

Strong wind

38% 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

33% of expected damage

Well below average · higher than 21% of U.S. places

Recorded about 4 times a year in the area

Hurricanes

7% of expected damage

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

Recorded about once every 5 years in the area

Heat waves

7% of expected damage

Well below average · higher than 5% of U.S. places

Recorded about 3 times a year 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 Neptune flood?

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

364paid claims since 1978

$23.6Mpaid to owners

22homes flooded more than once

19782026

Biggest named events

Hurricane Sandy: 262 claims, $21.9M
December Storm - Nor'easter: 26 claims, $236K
Hurricane Irene: 14 claims, $580K

Homes that flooded again and again

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

of homes in flood zones
are insured

of all homes
are insured

🏷️ 20% off flood insurance. Neptune is in FEMA’s Community Rating System (class 6) for its flood-proofing work.

Insurance rates: Monmouth County.

What’s been done with FEMA grants

6buildings floodproofed

Disasters that hit Neptune

6 federal disasters brought FEMA money here

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

Brought FEMA money into NeptuneDeclared for Monmouth County only

2020

Tropical Storm Isaias

$95K to the Township of Neptune for repairs

2016

Severe Winter Storm and Snowstorm

$159K to the Township of Neptune for repairs

2012

Hurricane Sandy

1,816 households applied for aid $2.6M aid approved $7.5M to the Township of Neptune for repairs

2011

Hurricane Irene

256 households applied for aid $200K aid approved $211K to the Township of Neptune for repairs

2010

Severe Winter Storm and Snowstorm

$142K to the Township of Neptune for repairs

2010

Severe Storms and Flooding

118 households applied for aid $174K aid approved $58K to the Township of Neptune for repairs

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

Around Neptune

Neptune and the towns around it

Very lowLowModerateHighVery high

Asbury Parkmostly inland floodingModerate

Tinton Fallsmostly strong windsModerate

Avon-by-the-Seamostly strong windsModerate

Neptunemostly strong windsModerate

Oceanmostly strong windsModerate

Wallmostly strong windsModerate

Bradley Beachmostly strong windsModerate

Belmarmostly strong windsModerate

Neptune Citymostly strong windsModerate

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. Neptune covers 9 census tracts, combined by population.

Money that reached townFlood claims are matched to Neptune’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Neptune. 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 Neptune total about $8.5M 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.