journal article Open Access Aug 10, 2025

Cultural and Institutional Factors Driving Severe Repetitive Flood Losses: Insights From the Jersey Shore

Risk Analysis Vol. 45 No. 11 pp. 3519-3532 · Wiley
View at Publisher Save 10.1111/risa.70091
Abstract
ABSTRACT
Decisions about how to respond to coastal flood hazards often involve disagreements over resource allocations. In the United States, large intergovernmental fiscal transfers have enabled rebuilding in areas that experience severe repetitive losses. This case study focuses on Ortley Beach, a barrier island neighborhood in Toms River, New Jersey, to examine the process of rebuilding after Superstorm Sandy in 2012 and competing visions for the future. A decade later, we conducted 32 key‐informant interviews—including residents and local, state, and federal officials—to examine how values, worldviews, and beliefs shape preferences for coastal risk reduction strategies. A central debate was whether public resources should support staying or leaving the island. Key concerns included the economic impacts of strategies on household and public finances, the effectiveness of strategies to mitigate future flood damages, and fairness in the distribution of costs and responsibilities. Conflicts emerged in how stakeholders framed their preferences. Local officials tended to hold more individualistic–hierarchical worldviews, weaker beliefs in climate science, and favored actions to protect high‐value properties to preserve the tax base while externalizing costs. In contrast, some residents and most state and federal officials held more community–egalitarian worldviews, stronger beliefs in climate science, and preferences for long‐term adaptation strategies to reduce risk, including property buyouts. Responding to the primary concern about economic impacts, we recommend enhancing individual and local financial resilience to climate and political shocks by diversifying municipal revenue streams, encouraging proactive risk‐based planning, exploring innovative insurance models, and better accounting for the long‐term costs of rebuilding.
Topics

No keywords indexed for this article. Browse by subject →

References
121
[2]
Adger W. N. (2009)
[5]
Barnett J. (2013)
[16]
Bruck A. "Overruled by Home Rule: The Problems With New Jersey's Latest Effort to Consolidate Municipalities" Seton Hall Legislative Journal (2007)
[21]
Cash D. W. C.Clark F.Alcock N.Dickson N.Eckley andJ.Jäger.2003. “Salience Credibility Legitimacy and Boundaries: Linking Research Assessment and Decision Making.” Working Paper No. RWP02‐046. SSRN Electronic Journal.https://doi.org/10.2139/ssrn.372280 10.2139/ssrn.372280
[23]
CenterT. P.2024. “How Do State and Local Property Taxes Work?.”Tax Policy Center Urban Institute and Brookings Institution.https://taxpolicycenter.org/briefing‐book/how‐do‐state‐and‐local‐property‐taxes‐work
[26]
Clinton W. J.2006.Lessons Learned From Tsunami Recovery: Key Propositions for Building Back Better. A Report by the United Nations Secretary‐General's Special Envoy for Tsunami Recovery.Office of the UN Secretary‐General's Special Envoy for Tsunami Recovery.https://reliefweb.int/report/thailand/lessons‐learned‐tsunami‐recovery‐key‐propositions‐building‐back‐better
[27]
Cooley S. (2022)
[28]
Cooper C. C.Helgeson C. L. C.Troy K.Klaus andN.Tuana.2022. “What Do People Care About When Managing Flood Risks? A Values‐Informed Mental Model Approach.” Preprint SocArXiv August 25. 10.31235/osf.io/wkgjp
[34]
Douglas M. (1982)
[40]
FEMA.2021. “Update to “Cost‐Effectiveness Determinations for Acquisitions and Elevations in Special Flood Hazard Areas Using Pre‐Calculated Benefits” Memorandum.”https://www.fema.gov/sites/default/files/documents/fema_acquisition‐elevation‐precalculated‐benefits‐memo_092021.pdf
[41]
FEMA.2023. “OpenFEMA Data Sets.”https://www.fema.gov/about/openfema/data‐sets

Showing 50 of 121 references

Metrics
2
Citations
121
References
Details
Published
Aug 10, 2025
Vol/Issue
45(11)
Pages
3519-3532
License
View
Funding
National Science Foundation Award: ICER‐2103754
New Jersey Sea Grant Consortium Award: #NA22OAR4170095
Cite This Article
Laura Geronimo, Will B. Payne, Clinton J. Andrews, et al. (2025). Cultural and Institutional Factors Driving Severe Repetitive Flood Losses: Insights From the Jersey Shore. Risk Analysis, 45(11), 3519-3532. https://doi.org/10.1111/risa.70091
Related

You May Also Like

The Social Amplification of Risk: A Conceptual Framework

Roger E. Kasperson, Ortwin Renn · 1988

2,469 citations

On The Quantitative Definition of Risk

Stanley Kaplan, B. John Garrick · 1981

2,181 citations

The Protective Action Decision Model: Theoretical Modifications and Additional Evidence

Michael K. Lindell, Ronald W. Perry · 2011

1,415 citations