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Natural hazards · Pine Beach

Pine Beach, NJ natural hazards

Most of the natural-hazard damage FEMA expects in Pine Beach comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 6 claims here since 1992. 5 federal disasters brought FEMA money into town.

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

How exposed is Pine Beach?

50
Moderate
vs. U.S. communities

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

Inland flooding53%Strong wind21%Hurricanes8%Everything else19%
By hazard

What Pine Beach faces

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

Inland flooding

53% of expected damage
Above average · higher than 50% of U.S. places
Recorded about 3 times a year in the area

Strong wind

21% of expected damage
Well above average · among the top 1% of U.S. places
Recorded about 4 times a year in the area

Hurricanes

8% of expected damage
Well above average · higher than 81% of U.S. places
Recorded about once every 5 years in the area

Lower here

Coastal floodingTornadoesHailIce 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 Pine Beach flood?

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

6paid claims since 1992
$289Kpaid to owners
0homes flooded more than once
19922026

Biggest named events

  • Hurricane Sandy: 5 claims, $286K
  • December Storm - Nor'easter: 1 claim, $2K
of homes in flood zones
are insured
of all homes
are insured
No community discount. Pine Beach isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Ocean County.

What’s been done with FEMA grants

2homes raised above flood level
Disasters that hit Pine Beach

5 federal disasters brought FEMA money here

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

Brought FEMA money into Pine BeachDeclared for Ocean County only
2016

Severe Winter Storm and Snowstorm

$8K to the Borough of Pine Beach for repairs
2012

Hurricane Sandy

86 households applied for aid $265K aid approved $159K to the Borough of Pine Beach for repairs
2011

Hurricane Irene

3 households applied for aid $2K aid approved $4K to the Borough of Pine Beach for repairs
2010

Severe Winter Storm and Snowstorm

$5K to the Borough of Pine Beach for repairs
2010

Severe Storms and Flooding

1 household applied for aid $2K aid approved $3K to the Borough of Pine Beach for repairs
Ocean County has had 27 natural disasters declared since 1953, most often winter storms and hurricanes.
Around Pine Beach

Pine Beach and the towns around it

Berkeley: High, mostly inland floodingLacey: High, mostly inland floodingOcean: High, mostly inland floodingToms River: High, mostly inland floodingBeachwood: Moderate, mostly inland floodingSeaside Park: Very high, mostly inland floodingSouth Toms River: High, mostly inland floodingSeaside Heights: High, mostly inland floodingIsland Heights: Moderate, mostly inland floodingPine Beach: Moderate, mostly inland flooding Pine BeachBerkeley
Very lowLowModerateHighVery high
Berkeleymostly inland floodingHigh
Pine Beachmostly 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. Pine Beach covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Pine Beach’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Borough of Pine Beach. 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 Pine Beach total about $528K 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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