Natural hazards · Upper Freehold

Upper Freehold, NJ natural hazards

Most of the natural-hazard damage FEMA expects in Upper Freehold comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 3 claims here since 1980. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Upper Freehold?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Upper Freehold to be higher than in 61% of U.S. communities, mostly from inland flooding and strong winds.

Inland flooding35%Strong wind35%Hurricanes8%Drought7%Heat waves6%Everything else10%

By hazard

What Upper Freehold faces

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

Inland flooding

35% of expected damage

Below average · higher than 40% 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 7 times a year in the area

Hurricanes

8% of expected damage

Above average · higher than 70% of U.S. places

Recorded about once every 8 years in the area

Drought

7% of expected damage

Recorded about 5 times a year in the area

Heat waves

6% of expected damage

Well below average · higher than 5% of U.S. places

Recorded about 7 times a year in the area

Lower here

TornadoesHailIce stormsWinter weatherCold wavesWildfireEarthquakesLandslidesLightning

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic 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 Upper Freehold flood?

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

3paid claims since 1980

$13Kpaid to owners

0homes flooded more than once

19802026

Biggest named events

Hurricane Irene: 1 claim, $8K
April 2007 Nor'easter: 1 claim, $4K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Upper Freehold 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 Upper Freehold

5 federal disasters brought FEMA money here

Disasters the President declared that paid out in Upper Freehold itself: aid to households, or repair grants to the Township of Upper Freehold.

Brought FEMA money into Upper FreeholdDeclared for Monmouth County only

2016

Severe Winter Storm and Snowstorm

$29K to the Township of Upper Freehold for repairs

2012

Hurricane Sandy

$34K to the Township of Upper Freehold for repairs

2011

Hurricane Irene

$71K to the Township of Upper Freehold for repairs

2010

Severe Winter Storm and Snowstorm

$25K to the Township of Upper Freehold for repairs

2010

Severe Storms and Flooding

$6K to the Township of Upper Freehold for repairs

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

Around Upper Freehold

Upper Freehold and the towns around it

Very lowLowModerateHighVery high

Allentownmostly inland floodingHigh

Millstonemostly inland floodingHigh

Rooseveltmostly inland floodingHigh

Upper Freeholdmostly inland floodingHigh

Hamiltonmostly inland floodingModerate

North Hanovermostly inland floodingLow

Robbinsvillemostly inland floodingLow

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. Upper Freehold covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Upper Freehold’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Upper Freehold. 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 Upper Freehold total about $5.6M 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.