Photo: Freeholdman12 · CC BY-SA 4.0Storms, floods and disasters in Port Monmouth
Port Monmouth isn’t graded for hazard risk: Port Monmouth is a Census area inside a town, graded with the town. Flood insurance has paid 329 claims here since 1984.
What Port Monmouth 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
Coastal 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.
Does Port Monmouth flood? Yes: 329 flood claims since 1984
Every paid claim on a federal flood insurance policy in Port Monmouth, from FEMA’s records.
- Hurricane Sandy200 claims · $12.8M
- Hurricane Irene53 claims · $534K
- The December Storm - nor’easter48 claims · $458K
Port Monmouth 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.The storms Port Monmouth remembers
None of the 20 disasters declared for Monmouth County shows FEMA aid or repair money reaching Port Monmouth itself in FEMA’s records, so these are its biggest flood-claim years.
- 2012200 flood claims paidThe year of Hurricane Sandy, declared for Monmouth County
- 201156 flood claims paidThe year of Hurricane Irene, declared for Monmouth County
- 199248 flood claims paidThe year of Coastal Storm, High Tides, Heavy Rain, and Flooding, declared for Monmouth County
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 Port Monmouth after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Port Monmouth archive →Port Monmouth 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 |
|---|---|---|---|
| Belford | — | a Census area inside a town; graded with the town | |
| North Middletown | — | 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 Port Monmouth 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.
- Know your evacuation zone and the way off the coast.
- Storm surge comes fast: leave when you’re told, not when the water arrives.
- Move cars to high ground before king tides and nor’easters.
- 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 Port Monmouth
Does Port Monmouth flood?
Flood insurance has paid 329 claims in Port Monmouth since 1984, $14.0M in all. The most claims came from Hurricane Sandy (200).
Is Port Monmouth 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 Port Monmouth?
FEMA’s Community Rating System list shows no discount for Port Monmouth’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 Port Monmouth?
By flood claims, Hurricane Sandy: 200 paid, $12.8M.
Storm stories
Memories, warnings and help from neighbors in Port Monmouth.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Port Monmouth’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.