Photo: No machine-readable author provided. JimIrwin assumed (based on copyright claims). · CC BY 2.5Storms, floods and disasters in Holiday City-Berkeley
Holiday City-Berkeley isn’t graded for hazard risk: Holiday City-Berkeley is a Census area inside a town, graded with the town. Flood insurance has paid 21 claims here since 1978.
What Holiday City-Berkeley faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
River and rain flooding
Strong wind
Hurricanes
Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.
Does Holiday City-Berkeley flood? Sometimes: 21 flood claims since 1978
Every paid claim on a federal flood insurance policy in Holiday City-Berkeley, from FEMA’s records.
- Hurricane Sandy8 claims · $359K
- The December Storm - nor’easter4 claims · $48K
- The “Halloween” storm2 claims · $6K
Holiday City-Berkeley isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Ocean County.The storms Holiday City-Berkeley remembers
None of the 22 disasters declared for Ocean County shows FEMA aid or repair money reaching Holiday City-Berkeley itself in FEMA’s records, so these are its biggest flood-claim years.
- 20128 flood claims paidThe year of Hurricane Sandy, declared for Ocean County
- 19924 flood claims paidThe year of Coastal Storm, High Tides, Heavy Rain, and Flooding, declared for Ocean County
- 19912 flood claims paidNo declaration for the county that year
Ocean County has had 22 natural disasters declared by the President since 1953, most often winter storms, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees; the 2001 World Trade Center declarations.
Also 3 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Ocean County, 2002–2025.
Old photos of Holiday City-Berkeley after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Holiday City-Berkeley archive →Holiday City-Berkeley and its neighbors
How expected damage per building compares across the town line. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Manchester Township | Bless damage than 57% | river and rain flooding | 15 |
| Toms River Township | Cmore damage than 66% | river and rain flooding | 8,425 |
| Berkeley Township | Cmore damage than 69% | river and rain flooding | 1,689 |
| Holiday City South | — | a Census area inside a town; graded with the town | |
| Silver Ridge | — | a Census area inside a town; graded with the town | |
| Pine Ridge at Crestwood | — | a Census area inside a town; graded with the town | |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Holiday City-Berkeley faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- The season runs June through November and peaks from mid-August to mid-October.
- Bring in porch furniture and anything the wind can throw.
- Fill the gas tank and charge phones before the storm arrives.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Holiday City-Berkeley
Does Holiday City-Berkeley flood?
Flood insurance has paid 21 claims in Holiday City-Berkeley since 1978, $941K in all. The most claims came from Hurricane Sandy (8).
Is Holiday City-Berkeley in a flood zone?
Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Ocean County, 71% of homes in mapped flood zones carry federal flood insurance, and 16.6% of all homes do.
How much is flood insurance in Holiday City-Berkeley?
FEMA’s Community Rating System list shows no discount for Holiday City-Berkeley’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Holiday City-Berkeley?
By flood claims, Hurricane Sandy: 8 paid, $359K.
Storm stories
Memories, warnings and help from neighbors in Holiday City-Berkeley.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Holiday City-Berkeley’s residents lived in the 2020 census; 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. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.