Monmouth County, NJ: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Monmouth County scores at the 95.8th percentile for flood hazard, rated "Relatively High" — well above the national norm for flood hazard. The hazard here is split between inland river flooding (about 3.5 times a year) and coastal storm surge (about 3.7 times a year). That's a county-wide figure, not a per-address one — FEMA's parcel maps are a live lookup, not a bulk file.
Mandatory flood insurance compliance in Monmouth County
70.4% of the homes FEMA requires to carry flood insurance in Monmouth County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 10,288 policies against 14,605 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 7.4% of all residential structures in Monmouth County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Monmouth County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, Monmouth County ranks 142 — 1 being the highest hazard nationally — and 111 by population among all 3144 counties covered here, where 1 is the largest. Monmouth County, New Jersey is home to about 647,520 people across 468.204 square miles of land.
Checking a specific address in Monmouth County
Across all of Monmouth County's 196,460 residential structures, 14,530 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
Where Monmouth County's figures come from
Every figure on this page traces to a named FEMA dataset, documented in the methodology guide. Monmouth County's coastal exposure is covered in the coastal vs. inland flood risk guide, including how storm surge risk differs from river flooding.