Monmouth County, New Jersey: hazard risk
FEMA rates Monmouth County's overall risk Relatively High (score 96.3 of 100, higher than 96% of rated U.S. counties); 7 of its 15 hazards are rated Relatively High or Very High, led by strong wind, lightning, winter weather. Its storm record holds 2,190 events since 1950.
FEMA's rating for each hazard
These are FEMA's county-wide model ratings and this county's storm record. They are not an assessment of any property, address or building, and not insurance advice: a property's risk depends on its own elevation, construction and location.
FEMA gives each hazard its own rating, and a rating does not follow the score from one hazard to the next: a hazard with a higher score can carry a lower rating than another. The table sorts by FEMA's rating, then by score (0 to 100, the county against every other county for that hazard).
| Hazard | Risk rating | Score | Expected annual loss |
|---|---|---|---|
| Strong Wind | Very High | 100.0 | $91M |
| Lightning | Very High | 98.5 | $4.2M |
| Winter Weather | Very High | 97.5 | $1.4M |
| Heat Wave | Relatively High | 98.6 | $24M |
| Riverine Flooding | Relatively High | 95.8 | $110M |
| Ice Storm | Relatively High | 94.4 | $1.8M |
| Coastal Flooding | Relatively High | 90.2 | $7.6M |
| Earthquake | Relatively Moderate | 94.0 | $14M |
| Hurricane | Relatively Moderate | 93.1 | $17M |
| Cold Wave | Relatively Moderate | 87.0 | $7.0M |
| Drought | Relatively Moderate | 71.7 | $725K |
| Wildfire | Relatively Low | 88.8 | $1.4M |
| Tornado | Relatively Low | 55.1 | $1.8M |
| Landslide | Very Low | 34.4 | $535 |
| Hail | Very Low | 30.1 | $148K |
Source: FEMA National Risk Index, December 2025 release. A model of future loss, not a count of past events. FEMA's National Risk Index map.
What the record holds
| Hazard | Records | Deaths | Damage | Rank in state | Rank in U.S. |
|---|---|---|---|---|---|
| Severe thunderstorm wind | 397 | 2 | $21M | 12th of 20 | 304th of 3,080 |
| High wind and dust storms | 363 | 2 | $2.3B | 7th of 20 | 29th of 3,080 |
| Winter storms | 350 | 0 | $7.9M | 15th of 20 | 164th of 3,077 |
| Floods | 320 | 1 | $6.5B | 10th of 20 | 36th of 3,080 |
| Heat | 157 | 4 | – | 8th of 20 | 62nd of 3,076 |
| Rip currents and high surf | 96 | 26 | $51K | 2nd of 20 | 8th of 2,080 |
| Drought | 87 | 0 | – | 11th of 20 | 355th of 3,063 |
| Hail | 78 | 0 | – | 11th of 20 | 1549th of 3,080 |
| Heavy rain | 70 | 1 | – | 14th of 20 | 48th of 3,080 |
| Lightning | 64 | 7 | $3.5M | 6th of 20 | 20th of 3,080 |
| Extreme cold | 57 | 0 | $125K | 13th of 20 | 336th of 3,076 |
| Hurricanes and tropical storms | 52 | 0 | $9.6M | 3rd of 20 | 42nd of 1,849 |
| Tornadoes | 17 | 0 | $4.9M | 8th of 20 | 1673rd of 3,080 |
| Wildfires | 10 | 0 | $6K | 9th of 20 | 143rd of 2,972 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Monmouth County record: every hazard by year and month, the deadliest events and FEMA's declarations.