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A barometer of risk

Clockwise from top left, a house in Lavallette; two in Mantoloking; two in Bayhead; and two in Ortley Beach. Credit Karsten Moran for The New York Times via NYT

Clockwise from top left, a house in Lavallette; two in Mantoloking; two in Bayhead; and two in Ortley Beach. Credit Karsten Moran for The New York Times

Clockwise from top left, a house in Lavallette; two in Mantoloking; two in Bayhead; and two in Ortley Beach. Credit Karsten Moran for The New York Times