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Natural hazards · Sea Bright

Sea Bright, NJ natural hazards

Most of the natural-hazard damage FEMA expects in Sea Bright comes from coastal flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 1,584 claims here since 1978. 5 federal disasters brought FEMA money into town.

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

How exposed is Sea Bright?

87
Very high
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Sea Bright to be higher than in 87% of U.S. communities, mostly from coastal flooding and inland flooding.

Coastal flooding45%Inland flooding28%Strong wind17%Everything else9%
By hazard

What Sea Bright faces

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

Coastal flooding

45% of expected damage
Well above average · among the top 1% of U.S. places

Inland flooding

28% of expected damage
Above average · higher than 51% of U.S. places
Recorded about 4 times a year in the area

Strong wind

17% of expected damage
Well above average · among the top 1% of U.S. places
Recorded about 5 times a year in the area

Lower here

HurricanesTornadoesHailIce 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 Sea Bright flood?

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

1,584paid claims since 1978
$86.7Mpaid to owners
131homes flooded more than once
19782026

Biggest named events

  • Hurricane Sandy: 581 claims, $71.0M
  • December Storm - Nor'easter: 420 claims, $8.5M
  • The “Halloween” storm: 105 claims, $700K

Homes that flooded again and again

Each house = 3 homes. ■ FEMA “severe repetitive loss” (49) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
🏷️ 20% off flood insurance. Sea Bright 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

21homes raised above flood level
Disasters that hit Sea Bright

5 federal disasters brought FEMA money here

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

Brought FEMA money into Sea BrightDeclared for Monmouth County only
2016

Severe Winter Storm and Snowstorm

$16K to the Borough of Sea Bright for repairs
2012

Hurricane Sandy

1,216 households applied for aid $5.1M aid approved $11.2M to the Borough of Sea Bright for repairs
2011

Hurricane Irene

68 households applied for aid $92K aid approved $50K to the Borough of Sea Bright for repairs
2010

Severe Winter Storm and Snowstorm

$18K to the Borough of Sea Bright for repairs
2010

Severe Storms and Flooding

11 households applied for aid $16K aid approved $30K to the Borough of Sea Bright for repairs
Monmouth County has had 22 natural disasters declared since 1953, most often hurricanes and winter storms.
Around Sea Bright

Sea Bright and the towns around it

Rumson: High, mostly inland floodingMonmouth Beach: High, mostly inland floodingHighlands: Very high, mostly inland floodingMiddletown: High, mostly inland floodingLittle Silver: High, mostly inland floodingFair Haven: Moderate, mostly inland floodingLong Branch: High, mostly inland floodingOceanport: High, mostly inland floodingAtlantic Highlands: Moderate, mostly inland floodingTinton Falls: Moderate, mostly strong windsColts Neck: High, mostly inland floodingRed Bank: Moderate, mostly inland floodingHolmdel: Moderate, mostly inland floodingKeansburg: Moderate, mostly inland floodingSea Bright: Very high, mostly coastal flooding Sea BrightRumsonMonmouth BeachHighlandsMiddletown
Very lowLowModerateHighVery high
Sea Brightmostly coastal floodingVery high
Highlandsmostly inland floodingVery high
Monmouth Beachmostly inland floodingHigh
Rumsonmostly inland floodingHigh
Middletownmostly inland floodingHigh
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. Sea Bright is smaller than a census tract, so it shares the figures of the tract around its center.
Money that reached townFlood claims are matched to Sea Bright’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Borough of Sea Bright. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

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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