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Natural hazards · Spring Lake Heights

Spring Lake Heights, NJ natural hazards

Most of the natural-hazard damage FEMA expects in Spring Lake Heights comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 33 claims here since 1992. 4 federal disasters brought FEMA money into town.

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

How exposed is Spring Lake Heights?

55
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Spring Lake Heights to be higher than in 55% of U.S. communities, mostly from inland flooding and strong winds.

Inland flooding43%Strong wind35%Hurricanes7%Everything else16%
By hazard

What Spring Lake Heights faces

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

Inland flooding

43% of expected damage
Below average · higher than 38% of U.S. places
Recorded about 4 times a year in the area

Strong wind

35% of expected damage
Well above average · among the top 1% of U.S. places
Recorded about 5 times a year in the area

Hurricanes

7% 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 Spring Lake Heights flood?

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

33paid claims since 1992
$927Kpaid to owners
4homes flooded more than once
19922026

Biggest named events

  • Hurricane Sandy: 10 claims, $571K
  • Hurricane Irene: 9 claims, $156K
  • December Storm - Nor'easter: 6 claims, $32K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (3) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
No community discount. Spring Lake Heights 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.
Disasters that hit Spring Lake Heights

4 federal disasters brought FEMA money here

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

Brought FEMA money into Spring Lake HeightsDeclared for Monmouth County only
2016

Severe Winter Storm and Snowstorm

$38K to the Borough of Spring Lake Heights for repairs
2012

Hurricane Sandy

14 households applied for aid $8K aid approved $281K to the Borough of Spring Lake Heights for repairs
2011

Hurricane Irene

6 households applied for aid $4K aid approved $29K to the Borough of Spring Lake Heights for repairs
2010

Severe Winter Storm and Snowstorm

$35K to the Borough of Spring Lake Heights for repairs
Monmouth County has had 22 natural disasters declared since 1953, most often hurricanes and winter storms.
Around Spring Lake Heights

Spring Lake Heights and the towns around it

Wall: Moderate, mostly strong windsSea Girt: Moderate, mostly inland floodingSpring Lake: Moderate, mostly strong windsTinton Falls: Moderate, mostly strong windsNeptune: Moderate, mostly strong windsBrick: Moderate, mostly inland floodingBrielle: Moderate, mostly inland floodingHowell: Moderate, mostly inland floodingBelmar: Moderate, mostly strong windsManasquan: Very high, mostly coastal floodingLake Como: Low, mostly strong windsSpring Lake Heights: Moderate, mostly inland flooding Spring Lake HeightsWallSea GirtSpring Lake
Very lowLowModerateHighVery high
Spring Lake Heightsmostly inland floodingModerate
Sea Girtmostly inland floodingModerate
Wallmostly strong windsModerate
Spring Lakemostly strong windsModerate
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. Spring Lake Heights covers 2 census tracts, combined by population.
Money that reached townFlood claims are matched to Spring Lake Heights’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Borough of Spring Lake Heights. 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 Spring Lake Heights total about $1.7M 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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