Natural hazards · Stone Harbor

Stone Harbor, NJ natural hazards

Most of the natural-hazard damage FEMA expects in Stone Harbor comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 1,203 claims here since 1979. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Stone Harbor?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Stone Harbor to be higher than in 85% of U.S. communities, mostly from inland flooding and coastal flooding.

Inland flooding41%Coastal flooding38%Hurricanes13%Strong wind6%Everything else2%

By hazard

What Stone Harbor faces

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

Inland flooding

41% of expected damage

Above average · higher than 72% of U.S. places

Recorded about 2 times a year in the area

Coastal flooding

38% of expected damage

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

Hurricanes

13% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about once every 6 years in the area

Strong wind

6% of expected damage

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

Recorded about 3 times a year 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 Stone Harbor flood?

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

1,203paid claims since 1979

$21.8Mpaid to owners

143homes flooded more than once

19792026

Biggest named events

Hurricane Sandy: 385 claims, $12.9M
December Storm - Nor'easter: 99 claims, $1.2M
Winter Storm Jonas: 87 claims, $1.6M

Homes that flooded again and again

Each house = 3 homes. ■ FEMA “severe repetitive loss” (41) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

🏷️ 25% off flood insurance. Stone Harbor is in FEMA’s Community Rating System (class 5) for its flood-proofing work.

Insurance rates: Cape May County.

What’s been done with FEMA grants

40homes raised above flood level

Disasters that hit Stone Harbor

2 federal disasters brought FEMA money here

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

Brought FEMA money into Stone HarborDeclared for Cape May County only

2012

Hurricane Sandy

125 households applied for aid $44K aid approved

2011

Hurricane Irene

2 households applied for aid

Cape May County has had 27 natural disasters declared since 1953, most often hurricanes and floods.

Around Stone Harbor

Stone Harbor and the towns around it

Very lowLowModerateHighVery high

North Wildwoodmostly coastal floodingVery high

Stone Harbormostly inland floodingVery high

Middlemostly 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. Stone Harbor covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Stone Harbor’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Borough of Stone Harbor. 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 Stone Harbor total about $3.7M 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.