Enter any address in Monmouth County, New Jersey to see its FEMA flood zone
Coastal flooding is the dominant flood character in Monmouth County, New Jersey, with 170 recorded events in the last 30 years. Recent examples include moderate tidal flooding along the coast and in back bay communities during October 2025, driven by coastal storms and onshore easterly flow. These events can lead to high tide levels that persist over multiple tidal cycles.
National Flood Insurance Program data indicates that properties in Zone A and Zone V have experienced the most claims, with average payouts and water depths higher in these areas compared to Zone X designations. Homeowners in coastal areas, particularly those in lower-lying zones like A and V, should pay close attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
71 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Monmouth County, New Jersey has recorded 370 flood-related events since 1996 according to NOAA's Storm Events Database, including 91 flash floods and 57 river or area floods. The county has received 28 federal disaster declarations, 4 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1965–2021)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| Remnants Of Hurricane Ida | Hurricane | Sep 1, 2021 |
| Tropical Storm Isaias | Hurricane | Aug 4, 2020 |
| Covid-19 | Biological | Jan 20, 2020 |
| Covid-19 Pandemic | Biological | Jan 20, 2020 |
| Severe Winter Storm And Snowstorm | Severe Storm | Jan 22, 2016 |
| Hurricane Sandy | Hurricane | Oct 26, 2012 |
| Hurricane Irene | Hurricane | Aug 27, 2011 |
| Severe Winter Storm And Snowstorm | Snowstorm | Dec 26, 2010 |
| Severe Storms And Flooding | Severe Storm | Mar 12, 2010 |
| Hurricane Katrina Evacuation | Hurricane | Aug 29, 2005 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | Jul 31, 2025 | 0.00K |
| Coastal Flood | Oct 30, 2025 | — |
| Coastal Flood | Aug 21, 2025 | — |
| Flash Flood | Jul 20, 2025 | 0.00K |
| Flash Flood | Jul 14, 2025 | 0.00K |
| Coastal Flood | Oct 12, 2025 | — |
| Flash Flood | Sep 6, 2025 | 10.00K |
| Flash Flood | Sep 6, 2025 | 0.00K |
| Flash Flood | Jul 1, 2025 | 30.00K |
| Flash Flood | Jul 1, 2025 | 0.00K |
Flash Flood — Jul 31, 2025
A stationary front sparked off showers and thunderstorms across the forecast area. Flash flooding resulted.
Coastal Flood — Oct 30, 2025
An area of low pressure moved over New Jersey, with onshore easterly flow pushing water towards the New Jersey coast and back bay communities. This resulted in Moderate Tidal Flooding along the northern NJ coast.
Coastal Flood — Aug 21, 2025
Storm surge from Hurricane Erin and an upcoming New Moon resulted in moderate to locally major high tide levels on the night of August 21, 2025 across coastal areas of New Jersey.
Flash Flood — Jul 20, 2025
An approaching cold front sparked off showers and thunderstorms across the forecast area. Flash flooding resulted.
Flash Flood — Jul 14, 2025
An approaching cold front sparked off showers and thunderstorms across the forecast area. Flash flooding resulted.
Source: NOAA National Weather Service Storm Events Database.
Source: OpenFEMA NFIP Individual Claims (2.25M records analyzed).
FEMA assigns flood zone designations to areas in Monmouth County, New Jersey:
AE High Risk — 1% annual chance of flooding. Insurance required.
VE Very High Risk — Coastal flooding with wave action.
X (Shaded) Moderate Risk — 500-year floodplain.
X Low Risk — Outside major floodplains.
Properties in Monmouth County, New Jersey that are in FEMA-designated Special Flood Hazard Areas (zones A and V) with federally backed mortgages are required to carry flood insurance.
Even outside high-risk zones, flood insurance is recommended. From 2014 to 2024, nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area.
Visit FloodSmart.gov to find an agent and get a quote.