Property Atlas

County hazard profile

Ocean, NJ

New Jersey · pop. 636,993 · FIPS 34029

Relatively High
FEMA risk rating · RATING
Strong Wind
dominant hazard
$204M
modeled expected annual loss/yr

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

near the national middle (63rd percentile)

national median $15M/yr Ocean $204M

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 96.15/100
national median ~50 among the highest nationally
Social vulnerabilityRelatively Moderate 48.57/100
national median ~50 near the national middle (49th percentile)
Community resilienceVery High 90.11/100
national median ~50 among the highest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Ocean

The National Flood Insurance Program has paid 52,878 flood-insurance claims totaling $2.61B in Ocean since 1978. The costliest year was 2012 ($2.49B paid).

Flood-insurance dollars paid by year of loss

1978: $228,882 paid 1979: $105,097 paid 1980: $235,878 paid 1981: $1,479 paid 1982: $69,983 paid 1983: $21,375 paid 1984: $2,756,449 paid 1985: $793,475 paid 1986: $16,905 paid 1987: $95,954 paid 1988: $3,093 paid 1989: $85,232 paid 1990: $2,032 paid 1991: $3,077,428 paid 1992: $66,776,458 paid 1993: $707,594 paid 1994: $353,678 paid 1995: $260,035 paid 1996: $684,234 paid 1997: $1,824,189 paid 1998: $1,221,832 paid 1999: $142,817 paid 2000: $696,827 paid 2001: $193,909 paid 2002: $189,876 paid 2003: $411,041 paid 2004: $137,107 paid 2005: $5,470,253 paid 2006: $4,278,401 paid 2007: $200,578 paid 2008: $396,680 paid 2009: $1,422,499 paid 2010: $1,803,192 paid 2011: $18,436,031 paid 2012: $2,489,491,073 paid 2013: $309,929 paid 2014: $972,651 paid 2015: $42,794 paid 2016: $751,557 paid 2017: $518,506 paid 2018: $561,786 paid 2019: $191,284 paid 2020: $78,918 paid 2021: $677,954 paid 2022: $472,907 paid 2023: $218,653 paid 2024: $840,712 paid 2025: $1,541,913 paid 2026: $10,316 paid 2012 · $2.49B 1978 2026
$2.61B
total paid
$49,355
average claim
$4.0M
largest single claim
95%
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 Ocean, NJ and where it ranks among U.S. counties. It is not a verdict on whether Ocean 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.