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Natural hazards · Union Beach

Union Beach, NJ natural hazards

Most of the natural-hazard damage FEMA expects in Union Beach comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 1,416 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 Union Beach?

73
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Union Beach to be higher than in 73% of U.S. communities, mostly from inland flooding and coastal flooding.

Inland flooding30%Coastal flooding22%Strong wind22%Heat waves11%Everything else14%
By hazard

What Union Beach faces

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

Inland flooding

30% of expected damage
Below average · higher than 33% of U.S. places
Recorded about 4 times a year in the area

Coastal flooding

22% of expected damage
Well above average · among the top 1% of U.S. places

Strong wind

22% of expected damage
Well above average · among the top 1% of U.S. places
Recorded about 5 times a year in the area

Heat waves

11% of expected damage
Well below average · higher than 5% of U.S. places
Recorded about 7 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold 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 Union Beach flood?

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

1,416paid claims since 1978
$90.2Mpaid to owners
66homes flooded more than once
19782026

Biggest named events

  • Hurricane Sandy: 1,044 claims, $86.4M
  • December Storm - Nor'easter: 187 claims, $1.9M
  • March 2010 Nor'easter: 63 claims, $875K

Homes that flooded again and again

Each house = 2 homes. ■ FEMA “severe repetitive loss” (21) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
🏷️ 15% off flood insurance. Union Beach 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

62homes raised above flood level
Disasters that hit Union Beach

6 federal disasters brought FEMA money here

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

Brought FEMA money into Union BeachDeclared for Monmouth County only
2020

Tropical Storm Isaias

$18K to the Borough of Union Beach for repairs
2016

Severe Winter Storm and Snowstorm

$23K to the Borough of Union Beach for repairs
2012

Hurricane Sandy

1,824 households applied for aid $13.2M aid approved $7.7M to the Borough of Union Beach for repairs
2011

Hurricane Irene

41 households applied for aid $32K aid approved $102K to the Borough of Union Beach for repairs
2010

Severe Winter Storm and Snowstorm

$14K to the Borough of Union Beach for repairs
2010

Severe Storms and Flooding

72 households applied for aid $55K aid approved $349K to the Borough of Union Beach for repairs
Monmouth County has had 22 natural disasters declared since 1953, most often hurricanes and winter storms.
Around Union Beach

Union Beach and the towns around it

Keansburg: Moderate, mostly inland floodingHazlet: High, mostly inland floodingKeyport: Moderate, mostly strong windsMiddletown: High, mostly inland floodingAberdeen: Moderate, mostly inland floodingHolmdel: Moderate, mostly inland floodingUnion Beach: High, mostly inland flooding Union BeachKeansburgHazletKeyport
Very lowLowModerateHighVery high
Union Beachmostly inland floodingHigh
Hazletmostly inland floodingHigh
Keansburgmostly inland floodingModerate
Keyportmostly 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. Union Beach covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Union Beach’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Borough of Union Beach. 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 Union Beach total about $2.5M 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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