Photo: Mr. Matté (if there is an issue with this image, contact me using this image's Commons talk page, my Commons user talk page, or my English Wikipedia user talk page; I'll know about it a lot faster) · CC BY-SA 4.0Storms, floods and disasters in Loch Arbour
Loch Arbour isn’t graded for hazard risk: Loch Arbour has 185 residents; we grade towns of 1,000 or more. Flood insurance has paid 80 claims here since 1978.
What Loch Arbour 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 Loch Arbour flood? Sometimes: 80 flood claims since 1978
Every paid claim on a federal flood insurance policy in Loch Arbour, from FEMA’s records.
- Hurricane Sandy32 claims · $2.5M
- The Torrential rain20 claims · $236K
- Hurricane Irene8 claims · $55K
Loch Arbour 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.3 federal disasters brought FEMA money to Loch Arbour
Disasters that paid out in Loch Arbour itself (aid to households or repair grants to the Village of Loch Arbour), newest first, with that year’s flood claims.
- 2012Hurricane Sandy28 households applied for aid$22K aid approved$964K to the Village of Loch Arbour for repairs32 flood claims paid for it, $2.5M
- 2011Hurricane Irene6 households applied for aid$2K aid approved$7K to the Village of Loch Arbour for repairs8 flood claims paid for it, $55K
- 2010Severe Winter Storm and Snowstorm$7K to the Village of Loch Arbour for repairs2 flood claims paid that year
Monmouth County has had 20 natural disasters declared by the President since 1953, most often hurricanes and tropical 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.
Old photos of Loch Arbour after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Loch Arbour archive →Loch Arbour 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 |
|---|---|---|---|
| Asbury Park | C+more damage than 56% | river and rain flooding | 51 |
| Interlaken | — | 939 residents; we grade 1,000+ | |
| Allenhurst | — | 376 residents; we grade 1,000+ | |
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 Loch Arbour 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 Loch Arbour
Does Loch Arbour flood?
Flood insurance has paid 80 claims in Loch Arbour since 1978, $3.8M in all. 18 properties have flooded more than once. The most claims came from Hurricane Sandy (32).
Is Loch Arbour 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 Monmouth County, 70% of homes in mapped flood zones carry federal flood insurance, and 7.4% of all homes do.
How much is flood insurance in Loch Arbour?
FEMA’s Community Rating System list shows no discount for Loch Arbour’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 Loch Arbour?
By FEMA money that reached Loch Arbour, Hurricane Sandy (2012): 28 households applied for aid, $22K approved, and $964K to the Village of Loch Arbour for repairs. By flood claims, Hurricane Sandy: 32 paid, $2.5M.
Storm stories
Memories, warnings and help from neighbors in Loch Arbour.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Loch Arbour’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.