Photo: Dorian Wallender from Lake Havasu City, Arizona, USA · CC BY-SA 2.0For strong wind, Neptune Township’s building-damage rate is in the top 1% of U.S. census tracts
On FEMA’s National Risk Index, Neptune Township gets a B− for hazard risk: higher expected damage per building than 52% of U.S. towns, #213 of 468 in New Jersey. Most of that expected damage is strong wind (43%), then river and rain flooding (39%). Flood insurance has paid 364 claims here since 1978.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What stands out about Neptune Township’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Neptune Township faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
Strong wind
River and rain flooding
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.
What’s behind Neptune Township’s grade
Strong wind is 43% of the building damage FEMA expects in Neptune Township, and Neptune Township’s rate of strong wind damage is in the top 1% of U.S. census tracts. Coastal flooding adds 2%, at a rate in the top 5% of U.S. census tracts.
B− #213 of 468 in New Jersey; higher expected damage per building than 52% of U.S. towns (21,298).
Neptune Township’s residents live in 9 census tracts; FEMA’s figures are combined by where they live.
The typical New Jersey town has higher expected damage than 56% of U.S. towns; within the state, Neptune Township has less expected damage per building than 55% of New Jersey towns.
In dollars, FEMA expects about $8.5M a year in losses across Neptune Township: $7.1M to buildings, the rest to people and crops.
Does Neptune Township flood? Yes: 364 flood claims since 1978
Every paid claim on a federal flood insurance policy in Neptune Township, from FEMA’s records: 28.3 per 1,000 homes, more than 88% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Sandy262 claims · $21.9M
- The December Storm - nor’easter26 claims · $236K
- Hurricane Irene14 claims · $580K
Neptune Township is in FEMA’s Community Rating System (class 6) for its flood-proofing work.
Insurance rates: Monmouth County.6 federal disasters brought FEMA money to Neptune Township
Disasters that paid out in Neptune Township itself (aid to households or repair grants to Neptune Township), newest first, with that year’s flood claims.
- 2020Tropical Storm Isaias$95K to Neptune Township for repairs
- 2016Severe Winter Storm and Snowstorm$159K to Neptune Township for repairs
- 2012Hurricane Sandy1,816 households applied for aid$2.6M aid approved$7.5M to Neptune Township for repairs262 flood claims paid for it, $21.9M
- 2011Hurricane Irene256 households applied for aid$200K aid approved$211K to Neptune Township for repairs14 flood claims paid for it, $580K
- 2010Severe Winter Storm and Snowstorm$142K to Neptune Township for repairs
- 2010Severe Storms and Flooding118 households applied for aid$174K aid approved$58K to Neptune Township for repairs
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 Neptune Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Neptune Township archive →Neptune Township and its neighbors
Neptune Township is 6th of the 9 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Neptune City | Bless damage than 56% | strong wind | 42 |
| Belmar | Bless damage than 55% | strong wind | 431 |
| Wall Township | B−less damage than 52% | strong wind | 54 |
| Bradley Beach | B−less damage than 50% | strong wind | 70 |
| Ocean Township | B−more damage than 51% | strong wind | 945 |
| Neptune Township | B−more damage than 52% | strong wind | 364 |
| Avon-by-the-Sea | B−more damage than 52% | strong wind | 255 |
| Tinton Falls | B−more damage than 52% | river and rain flooding | 4 |
| Asbury Park | C+more damage than 56% | river and rain flooding | 51 |
| Shark River Hills | — | a Census area inside a town; graded with the town | |
| Ocean Grove | — | 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 Neptune Township faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- 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.
- 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.
- Neptune Township residents get 20% off flood insurance.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Neptune Township
Is Neptune Township at risk for natural disasters?
On FEMA’s National Risk Index, Neptune Township has higher expected damage per building than 52% of U.S. towns: B− for hazard risk, #213 of 468 in New Jersey. Most of the expected damage is strong wind (43%) and river and rain flooding (39%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Neptune Township flood?
Flood insurance has paid 364 claims in Neptune Township since 1978, $23.6M in all, or 28.3 per 1,000 homes, more than 88% of U.S. towns with a flood insurance record. 22 properties have flooded more than once. The most claims came from Hurricane Sandy (262).
Is Neptune Township 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 Neptune Township?
Neptune Township is in FEMA’s Community Rating System (class 6), which takes 20% off federal flood insurance policies for its flood-proofing work. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Neptune Township?
By FEMA money that reached Neptune Township, Hurricane Sandy (2012): 1,816 households applied for aid, $2.6M approved, and $7.5M to Neptune Township for repairs. By flood claims, Hurricane Sandy: 262 paid, $21.9M.
Is Neptune Township at risk from strong wind?
It is the largest share of the building damage FEMA expects here (43%), and Neptune Township’s rate for it is in the top 1% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Neptune Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Neptune Township’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.