Photo: Freeholdman12 · CC BY-SA 4.0For strong wind, Wall Township’s building-damage rate is in the top 1% of U.S. census tracts
On FEMA’s National Risk Index, Wall Township gets a B− for hazard risk: lower expected damage per building than 52% of U.S. towns, #186 of 468 in New Jersey. Most of that expected damage is strong wind (44%), then river and rain flooding (39%). Flood insurance has paid 54 claims here since 1979.
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 Wall 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
Earthquakes
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 Wall Township’s grade
Strong wind is 44% of the building damage FEMA expects in Wall Township, and Wall Township’s rate of strong wind damage is in the top 1% of U.S. census tracts. Next is river and rain flooding at 39% (lower than 84% of U.S. census tracts).
B− #186 of 468 in New Jersey; lower expected damage per building than 52% of U.S. towns (21,298).
Wall Township’s residents live in 6 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, Wall Township has less expected damage per building than 60% of New Jersey towns.
In dollars, FEMA expects about $11.3M a year in losses across Wall Township: $9.8M to buildings, the rest to people and crops.
Does Wall Township flood? Sometimes: 54 flood claims since 1979
Every paid claim on a federal flood insurance policy in Wall Township, from FEMA’s records: 5.2 per 1,000 homes, more than 61% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Sandy11 claims · $1.2M
- Hurricane Irene9 claims · $223K
- The Torrential rain8 claims · $218K
Wall Township 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.6 federal disasters brought FEMA money to Wall Township
Disasters that paid out in Wall Township itself (aid to households or repair grants to Wall Township), newest first, with that year’s flood claims.
- 2020Tropical Storm Isaias$293K to Wall Township for repairs1 flood claim paid that year
- 2016Severe Winter Storm and Snowstorm$134K to Wall Township for repairs
- 2012Hurricane Sandy35 households applied for aid$2K aid approved$2.3M to Wall Township for repairs11 flood claims paid for it, $1.2M
- 2011Hurricane Irene10 households applied for aid$13K aid approved$234K to Wall Township for repairs9 flood claims paid for it, $223K
- 2010Severe Winter Storm and Snowstorm$7K to Wall Township for repairs
- 2010Severe Storms and Flooding1 households applied for aid$491 aid approved$4K to Wall 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 Wall Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Wall Township archive →Wall Township and its neighbors
Wall Township is 2nd of the 8 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 |
|---|---|---|---|
| Belmar | Bless damage than 55% | strong wind | 431 |
| Wall Township | B−less damage than 52% | strong wind | 54 |
| Neptune Township | B−more damage than 52% | strong wind | 364 |
| Tinton Falls | B−more damage than 52% | river and rain flooding | 4 |
| Howell Township | C+more damage than 58% | river and rain flooding | 30 |
| Spring Lake Heights | C+more damage than 60% | river and rain flooding | 33 |
| Brielle | C+more damage than 61% | river and rain flooding | 172 |
| Brick Township | Cmore damage than 66% | river and rain flooding | 3,533 |
| Allenwood | — | 757 residents; we grade 1,000+ | |
| Shark River Hills | — | a Census area inside a town; graded with the town | |
| West Belmar | — | 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 Wall 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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 Wall Township
Is Wall Township at risk for natural disasters?
On FEMA’s National Risk Index, Wall Township has lower expected damage per building than 52% of U.S. towns: B− for hazard risk, #186 of 468 in New Jersey. Most of the expected damage is strong wind (44%) and river and rain flooding (39%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Wall Township flood?
Flood insurance has paid 54 claims in Wall Township since 1979, $2.3M in all, or 5.2 per 1,000 homes, more than 61% of U.S. towns with a flood insurance record. 7 properties have flooded more than once. The most claims came from Hurricane Sandy (11).
Is Wall 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 Wall Township?
FEMA’s Community Rating System list shows no discount for Wall Township’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 Wall Township?
By FEMA money that reached Wall Township, Hurricane Sandy (2012): 35 households applied for aid, $2K approved, and $2.3M to Wall Township for repairs. By flood claims, Hurricane Sandy: 11 paid, $1.2M.
Is Wall Township at risk from strong wind?
It is the largest share of the building damage FEMA expects here (44%), and Wall Township’s rate for it is in the top 1% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Wall Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Wall 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.