Ramtown’s biggest natural hazard is strong wind
Most of the natural-hazard damage FEMA expects in Ramtown comes from strong winds, and overall the risk is moderate for a U.S. community. Flood insurance has paid 2 claims here since 2005.
What stands out about Ramtown’s weather risks
Read from FEMA’s records below. The page puts what stands out first.
Does Ramtown flood? Rarely: 2 flood claims since 2005
Every paid claim on a federal flood insurance policy in Ramtown, from FEMA’s records.
- The Torrential rain1 claim · $7K
Ramtown 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.How exposed is Ramtown?
FEMA expects yearly storm and flood damage to homes and buildings here to be higher than in 45% of U.S. communities, mostly from strong winds and inland flooding.
Calmer than 350 of the 564 New Jersey towns we cover.
Ramtown covers 1 census tract, combined by population.
What Ramtown faces
Each hazard’s share of the damage FEMA expects here, and how it compares with the rest of the country.
Strong wind
Inland flooding
Heat waves
Hurricanes
Federal disasters declared here
None of the disasters declared for Monmouth County shows FEMA aid or repair money reaching Ramtown itself in FEMA’s records.
Monmouth County has had 22 natural disasters declared since 1953, most often hurricanes and winter storms.
Get ready for what Ramtown actually faces
A short kit for its top hazards, what to check before you buy, and where neighbors get alerts.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Know the nearest cooling center or air-conditioned library.
- Drink water before you feel thirsty.
- Check on neighbors who live alone.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Ramtown and its neighbors
Ramtown ranks 2nd calmest of 5 towns around it. Tap a town to see its hazards.
Rating = expected yearly storm and flood damage as a share of what’s there, vs. U.S. communities. Flood claims = paid federal flood insurance claims on record.
Most disasters here begin in August–October
The month each of Monmouth County’s 22 declared disasters began, since 1953.
What these numbers can and can’t tell you
- An average, not a forecast. FEMA’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 there, so a big city isn’t rated riskier just for having more buildings.
- Money that reached town. Flood claims are matched to Ramtown’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Ramtown.
- It follows property value. FEMA’s model weighs damage to buildings, so a place that recently lost many homes can rate lower than it feels. Across Ramtown, expected losses total about $1.6M a year, counting buildings, people and crops.
Storm stories
Memories, warnings and help from neighbors in Ramtown.
Your answer becomes a post in Town Square.
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. Preparedness tips: Ready.gov. An average of past damage, not a forecast.