Climate Risk Summary

Pine Beach, NJ Risk Profile

The primary drivers of climate-related financial risk in Pine Beach, NJ are Inland Flooding, Strong Wind, and Hurricane. This area also faces an unusually high intensity for Coastal Flooding compared to national averages.

City-Wide Aggregation

These scores represent the population-weighted average across all residential blocks in Pine Beach.

Primary Risks

Inland Flooding

$410,817

Expected Annual Loss for Pine Beach

8.8Score

Very Low compared to US average

Pine Beach
Minimal Estimated LossMax Estimated Loss

Strong Wind

$171,741

Expected Annual Loss for Pine Beach

88.2Score

Relatively High compared to US average

Pine Beach
Minimal Estimated LossMax Estimated Loss

Hurricane

$65,528

Expected Annual Loss for Pine Beach

62.5Score

Relatively Low compared to US average

Pine Beach
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$410,817
Score: 8.8
MAJOR DRIVER
Strong Wind
$171,741
Score: 88.2
MAJOR DRIVER
Hurricane
$65,528
Score: 62.5
Cold Wave
$42,020
Score: 33.2
Heat Wave
$41,442
Score: 31.6
Earthquake
$32,429
Score: 35.9
UNUSUALLY HIGH
Coastal Flooding
$20,181
Score: 86.3
Lightning
$16,431
Score: 41.5
Winter Weather
$12,213
Score: 71.0
Ice Storm
$5,522
Score: 35.5
Tornado
$5,056
Score: 6.1
Wildfire
$3,111
Score: 67.8
Hail
$1,842
Score: 21.1
Landslide
$1
Score: 32.9

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

💨Low Investment

Strong Wind Mitigation

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

Risk Score: 88.2
🌀High Investment

Hurricane Mitigation

Install permanent hurricane shutters or upgrade to impact-resistant windows.

Risk Score: 62.5
🏠Low Investment

Coastal Flooding Mitigation

General property maintenance and insurance review recommended.

Risk Score: 86.3
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 71.0
🔥Low Investment

Wildfire Mitigation

Create a 5ft 'non-combustible' zone around your home using gravel or pavers instead of mulch.

Risk Score: 67.8

Sources and Methodology

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

  • FEMA National Risk IndexHazard frequency and loss data (v1.20.0)
  • U.S. Census BureauTIGER/Line 2025 Shapefiles & Decennial Population

Nearby Cities

BeachwoodHoliday City SouthHoliday HeightsIsland HeightsOcean Gate

Zip Codes in Pine Beach

0872108741