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Natural hazards · Rumson

Rumson, NJ natural hazards

Most of the natural-hazard damage FEMA expects in Rumson comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 805 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 Rumson?

61
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Rumson to be higher than in 61% of U.S. communities, mostly from inland flooding and strong winds.

Inland flooding40%Strong wind32%Coastal flooding12%Hurricanes6%Everything else10%
By hazard

What Rumson faces

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

Inland flooding

40% of expected damage
Below average · higher than 35% of U.S. places
Recorded about 4 times a year in the area

Strong wind

32% of expected damage
Well above average · among the top 1% of U.S. places
Recorded about 5 times a year in the area

Coastal flooding

12% of expected damage
Well above average · higher than 98% of U.S. places

Hurricanes

6% of expected damage
Well above average · higher than 81% of U.S. places
Recorded about once every 5 years in the area

Lower here

TornadoesHailIce 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 Rumson flood?

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

805paid claims since 1978
$62.2Mpaid to owners
84homes flooded more than once
19782026

Biggest named events

  • Hurricane Sandy: 413 claims, $55.5M
  • December Storm - Nor'easter: 202 claims, $4.2M
  • Hurricane Irene: 50 claims, $1.5M

Homes that flooded again and again

Each house = 2 homes. ■ FEMA “severe repetitive loss” (20) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
No community discount. Rumson 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.

What’s been done with FEMA grants

19homes raised above flood level
Disasters that hit Rumson

6 federal disasters brought FEMA money here

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

Brought FEMA money into RumsonDeclared for Monmouth County only
2020

Tropical Storm Isaias

$268K to the Borough of Rumson for repairs
2016

Severe Winter Storm and Snowstorm

$33K to the Borough of Rumson for repairs
2012

Hurricane Sandy

594 households applied for aid $2.7M aid approved $4.7M to the Borough of Rumson for repairs
2011

Hurricane Irene

39 households applied for aid $73K aid approved $57K to the Borough of Rumson for repairs
2010

Severe Winter Storm and Snowstorm

$35K to the Borough of Rumson for repairs
2010

Severe Storms and Flooding

9 households applied for aid $4K aid approved
Monmouth County has had 22 natural disasters declared since 1953, most often hurricanes and winter storms.
Around Rumson

Rumson and the towns around it

Sea Bright: Very high, mostly coastal floodingLittle Silver: High, mostly inland floodingMiddletown: High, mostly inland floodingFair Haven: Moderate, mostly inland floodingMonmouth Beach: High, mostly inland floodingHighlands: Very high, mostly inland floodingRed Bank: Moderate, mostly inland floodingOceanport: High, mostly inland floodingShrewsbury: Moderate, mostly inland floodingAtlantic Highlands: Moderate, mostly inland floodingTinton Falls: Moderate, mostly strong windsColts Neck: High, mostly inland floodingHolmdel: Moderate, mostly inland floodingKeansburg: Moderate, mostly inland floodingLong Branch: High, mostly inland floodingRumson: High, mostly inland flooding RumsonSea BrightLittle SilverMiddletownFair HavenMonmouth Beach
Very lowLowModerateHighVery high
Sea Brightmostly coastal floodingVery high
Monmouth Beachmostly inland floodingHigh
Little Silvermostly inland floodingHigh
Rumsonmostly inland floodingHigh
Middletownmostly inland floodingHigh
Fair Havenmostly 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. Rumson covers 2 census tracts, combined by population.
Money that reached townFlood claims are matched to Rumson’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Borough of Rumson. 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 Rumson total about $4.7M 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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