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Natural hazards · Plumsted

Plumsted, NJ natural hazards

Most of the natural-hazard damage FEMA expects in Plumsted comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 23 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 Plumsted?

71
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Plumsted to be higher than in 71% of U.S. communities, mostly from inland flooding and strong winds.

Inland flooding51%Strong wind20%Hurricanes6%Drought5%Everything else18%
By hazard

What Plumsted faces

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

Inland flooding

51% of expected damage
Above average · higher than 72% of U.S. places
Recorded about 3 times a year in the area

Strong wind

20% of expected damage
Well above average · among the top 1% of U.S. places
Recorded about 6 times a year in the area

Hurricanes

6% of expected damage
Above average · higher than 72% of U.S. places
Recorded about once every 7 years in the area

Drought

5% of expected damage
Recorded about 7 times a year in the area

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesLightning

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic 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 Plumsted flood?

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

23paid claims since 1978
$523Kpaid to owners
1homes flooded more than once
19782026

Biggest named events

  • Hurricane Irene: 13 claims, $430K
  • December Storm - Nor'easter: 1 claim, $25K

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. Plumsted 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.
Disasters that hit Plumsted

6 federal disasters brought FEMA money here

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

Brought FEMA money into PlumstedDeclared for Ocean County only
2016

Severe Winter Storm and Snowstorm

$34K to the Township of Plumsted for repairs
2012

Hurricane Sandy

$42K to the Township of Plumsted for repairs
2011

Hurricane Irene

$9K to the Township of Plumsted for repairs
2010

Severe Winter Storm and Snowstorm

$13K to the Township of Plumsted for repairs
2010

Severe Storms and Flooding

$18K to the Township of Plumsted for repairs
2009

Snowstorm

$26K to the Township of Plumsted for repairs
Ocean County has had 27 natural disasters declared since 1953, most often winter storms and hurricanes.
Around Plumsted

Plumsted and the towns around it

Jackson: Moderate, mostly inland floodingNew Hanover: Very low, mostly inland floodingNorth Hanover: Low, mostly inland floodingManchester: Moderate, mostly inland floodingHowell: Moderate, mostly inland floodingLakewood: Low, mostly inland floodingFreehold: Moderate, mostly inland floodingWrightstown: Very low, mostly inland floodingPemberton: Moderate, mostly inland floodingHamilton: Moderate, mostly inland floodingChesterfield: Low, mostly inland floodingUpper Freehold: High, mostly inland floodingSpringfield: Moderate, mostly inland floodingToms River: High, mostly inland floodingLacey: High, mostly inland floodingPlumsted: High, mostly inland flooding PlumstedJacksonNew HanoverNorth HanoverManchester
Very lowLowModerateHighVery high
Plumstedmostly inland floodingHigh
Jacksonmostly inland floodingModerate
Manchestermostly inland floodingModerate
North Hanovermostly inland floodingLow
New Hanovermostly inland floodingVery low
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. Plumsted covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Plumsted’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Plumsted. 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 Plumsted total about $3.4M 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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