Climate Risk Summary

Zip Code 07750, Risk Profile

The primary drivers of climate-related financial risk in Monmouth Beach, NJ (07750) are Inland Flooding, Coastal Flooding, and Strong Wind.

Understanding the Dollars

Expected Annual Loss (EAL) is a statistical average of property damage for this entire zip code over a standard year across all properties.

  • / It represents the "average cost" rather than a guaranteed yearly bill.
  • / It can be used to compare the relative risk from different hazards and across different neighborhoods.

Primary Risks

Inland Flooding

$732,454

Expected Annual Loss for Zip Code 07750

50.3Score

Relatively Moderate compared to US average

07750
Minimal Estimated LossMax Estimated Loss

Coastal Flooding

$569,357

Expected Annual Loss for Zip Code 07750

98.7Score

Relatively High compared to US average

07750
Minimal Estimated LossMax Estimated Loss

Strong Wind

$508,576

Expected Annual Loss for Zip Code 07750

99.4Score

Very High compared to US average

07750 (OUTLIER)
Minimal Estimated LossMax Estimated Loss

Zip Code Risk Map

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$732,454
Score: 50.3
MAJOR DRIVER
Coastal Flooding
$569,357
Score: 98.7
MAJOR DRIVER
Strong Wind
$508,576
Score: 99.4
Hurricane
$100,222
Score: 75.3
Heat Wave
$47,113
Score: 49.5
Earthquake
$41,313
Score: 52.3
Cold Wave
$31,588
Score: 34.9
Lightning
$22,014
Score: 63.7
Ice Storm
$9,586
Score: 62.8
Tornado
$9,524
Score: 18.7
Winter Weather
$5,554
Score: 63.1
Hail
$518
Score: 11.7
Wildfire
$327
Score: 51.5
Landslide
$0
Score: 23.1

Recommended Mitigation Strategies

Recommended investments to protect your property value and reduce insurance liability based on your local risk profile.

💧Medium Investment

Inland Flooding Mitigation

Install a smart sump pump with battery backup and extend downspouts 10ft from foundation.

Risk Score: 50.3
🏠Low Investment

Coastal Flooding Mitigation

General property maintenance and insurance review recommended.

Risk Score: 98.7
💨Low Investment

Strong Wind Mitigation

Trim large trees back from the roofline and reinforce roof-to-wall connectors (hurricane straps).

Risk Score: 99.4

Methodology and Sources

Spatial Aggregation

Our "Atlas" risk scores are derived using a population-weighted spatial join. Because US Zip Codes and Census Tracts do not share perfectly aligned boundaries, a simple geographic average would be misleading. We utilize US Census Block Group population statistics to identify where residents actually live within a Zip Code. We then intersect these points with FEMA National Risk Index (NRI) hazard data to calculate a weighted exposure score.

Financial Projections (EAL)

Expected Annual Loss (EAL) estimates the average economic impact of natural hazards in dollars per year. This calculation incorporates three components: Exposure (the value of structures and agriculture), Annualized Frequency (historical probability), and Historic Loss Ratio (vulnerability of the area).

Primary Data Sources

Nearby Locations

Zip Code 07740Zip Code 07760Zip Code 07757Zip Code 07739Zip Code 07704Zip Code 07764
07750 Climate Risk Report | Monmouth Beach, NJ