Property Atlas

County hazard profile

Monmouth, NJ

New Jersey · pop. 643,237 · FIPS 34025

Relatively High
FEMA risk rating · RATING
Strong Wind
dominant hazard
$282M
modeled expected annual loss/yr

Expected annual loss · all 3,232 U.S. counties

higher than 87% of counties

national median $15M/yr Monmouth $282M

A real dollar distribution: most counties sit far below a handful of high-exposure ones. A FEMA model of annual loss, not a record of disasters.

FEMA national percentile scores

FEMA/CDC score each county 0–100 against all others — the score is the national rank (RATING). Higher risk and vulnerability are worse; higher resilience is better.

FEMA risk indexRelatively High 96.31/100
national median ~50 among the highest nationally
Social vulnerabilityVery Low 15.81/100
national median ~50 among the lowest nationally
Community resilienceVery High 91.03/100
national median ~50 among the highest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Monmouth

The National Flood Insurance Program has paid 19,975 flood-insurance claims totaling $935.7M in Monmouth since 1978. The costliest year was 2012 ($820.2M paid).

Flood-insurance dollars paid by year of loss

1978: $558,567 paid 1979: $284,388 paid 1980: $92,122 paid 1981: $32,043 paid 1982: $7,350 paid 1983: $112,698 paid 1984: $4,345,913 paid 1985: $705,369 paid 1986: $3,661 paid 1987: $334,576 paid 1988: $175,831 paid 1989: $268,156 paid 1990: $88,373 paid 1991: $1,904,925 paid 1992: $54,024,312 paid 1993: $443,665 paid 1994: $254,936 paid 1995: $6,475 paid 1996: $1,436,118 paid 1997: $164,437 paid 1998: $145,233 paid 1999: $152,950 paid 2000: $179,563 paid 2001: $233,411 paid 2002: $274,133 paid 2003: $97,052 paid 2004: $135,422 paid 2005: $7,606,649 paid 2006: $169,310 paid 2007: $354,465 paid 2008: $86,457 paid 2009: $120,062 paid 2010: $4,144,897 paid 2011: $28,100,523 paid 2012: $820,235,798 paid 2013: $221,220 paid 2014: $878,400 paid 2015: $17,133 paid 2016: $34,495 paid 2017: $208,400 paid 2018: $1,909,763 paid 2019: $55,765 paid 2020: $13,425 paid 2021: $589,398 paid 2022: $197,690 paid 2023: $3,316,767 paid 2024: $495,506 paid 2025: $447,916 paid 2026: $0 paid 2012 · $820.2M 1978 2026
$935.7M
total paid
$46,842
average claim
$2.4M
largest single claim
81%
in high-risk flood zones (A/V)

RECORDED — these are actual paid NFIP claims (a redacted census from OpenFEMA), not a model. They are the realized counterpart to the FEMA risk score above: one is what happened and got paid, the other is what a model predicts.

Scope: these are flood-insurance claims, so they undercount flooding where owners were uninsured — read this as "what NFIP paid here," not "every flood." County-level totals, not a per-property or per-address verdict. Verify a specific address and buy coverage at FloodSmart.gov; the underlying data is OpenFEMA NFIP Redacted Claims.

What these figures mean

  • RATING — the FEMA risk score, expected loss, social vulnerability, and resilience are FEMA/CDC models, not records of disasters that happened. The 0–100 scores are already national percentiles.
  • MEASURED — population is a recorded census figure.
  • COMPUTED — the county's rank within the dollar-loss distribution is our placement over the 3,232 counties.
  • CONTEXT — the note below is framing, not a measurement.

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What this is — and is not

This is FEMA/CDC modeled hazard exposure for Monmouth, NJ and where it ranks among U.S. counties. It is not a verdict on whether Monmouth is a good or bad place to live — hazard exposure is not place quality, and a county can't opt out of its geography. It is not a per-property or per-address risk assessment, not a prediction of any specific disaster, and not insurance advice. For site-specific risk use a per-property assessment; for the underlying model see FEMA National Risk Index.