Natural hazards · Spring Lake

Spring Lake, NJ natural hazards

Most of the natural-hazard damage FEMA expects in Spring Lake comes from strong winds, and overall the risk is moderate for a U.S. community. Flood insurance has paid 431 claims here since 1980. 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?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Spring Lake to be higher than in 40% of U.S. communities, mostly from strong winds and inland flooding.

Strong wind44%Inland flooding35%Hurricanes9%Everything else12%

By hazard

What Spring Lake faces

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

Strong wind

44% of expected damage

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

Recorded about 5 times a year in the area

Inland flooding

35% of expected damage

Well below average · higher than 11% of U.S. places

Recorded about 4 times a year in the area

Hurricanes

9% 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 flood?

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

431paid claims since 1980

$15.9Mpaid to owners

101homes flooded more than once

19802026

Biggest named events

Hurricane Sandy: 171 claims, $9.2M
Torrential rain: 104 claims, $4.0M
Hurricane Irene: 93 claims, $2.0M

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

🏷️ 15% off flood insurance. Spring Lake is in FEMA’s Community Rating System (class 7) for its flood-proofing work.

Insurance rates: Monmouth County.

What’s been done with FEMA grants

6homes raised above flood level

Disasters that hit Spring Lake

4 federal disasters brought FEMA money here

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

Brought FEMA money into Spring LakeDeclared for Monmouth County only

2012

Hurricane Sandy

390 households applied for aid $474K aid approved $4.3M to the Borough of Spring Lake for repairs

2011

Hurricane Irene

75 households applied for aid $113K aid approved $462K to the Borough of Spring Lake for repairs

2010

Severe Winter Storm and Snowstorm

$48K to the Borough of Spring Lake for repairs

2010

Severe Storms and Flooding

5 households applied for aid $6K aid approved $94K to the Borough of Spring Lake for repairs

Monmouth County has had 22 natural disasters declared since 1953, most often hurricanes and winter storms.

Around Spring Lake

Spring Lake and the towns around it

Very lowLowModerateHighVery high

Spring Lake Heightsmostly inland floodingModerate

Sea Girtmostly inland floodingModerate

Belmarmostly strong windsModerate

Spring Lakemostly strong windsModerate

Lake Comomostly strong windsLow

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 covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Spring Lake’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Borough of Spring Lake. 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 total about $1.6M 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.