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Flood insurance cost · NJ

Flood insurance cost in New Jersey

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 107,500 home policies in force on August 31, 2026.

New JerseyPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,328a year

Half of insured homes paid between $1,002 and $1,861. That is 23% more than the national median ($1,082). Most insured homes here are rated in zone AE (78%).

$0$1,002 · $1,328 · $1,861$2,326
+11.5% vs Aug 31, 2025 (median $1,191)
107,500home policies in force
$1,578average cost (mean)
83%of insured homes in high-risk zones (A, V)
$250,000median building coverage

This is what policyholders paid, not a quote. Two neighbors can pay very different prices: NFIP prices depend on the building (elevation, foundation, number of floors, replacement cost), the coverage and deductible chosen and the distance to water (FEMA FloodSmart: premium factors). For a price for your building, ask an insurance agent. Private flood insurance is not included in these figures.

Disaster declarations: see FEMA declarations and IRS tax relief in New Jersey, county by county.

Cost by flood zone in New Jersey

The flood zone on FEMA's map is one of the main price factors. Median and middle half of what insured homes paid, by the zone used to rate the policy.

Flood zoneMedianMiddle half (25th–75th percentile)AveragePoliciesvs last year
Zone VE / V
High risk, coastal		$1,266$1,008–$1,665$1,4321,448 (1%)+6.7%
Zone AE
High risk		$1,411$1,047–$1,996$1,67783,493 (78%)+10.6%
Zone A
High risk		$1,070$800–$1,428$1,2491,294 (1%)+4.1%
Zone AO
High risk, shallow		$1,501$1,211–$2,446$1,8533,076 (3%)+12.1%
Zone AH
High risk, shallow		$1,768$1,023–$2,614$1,922214 (0%)+0.1%
Zone X
Moderate to low risk		$1,107$776–$1,351$1,10217,969 (17%)+8.0%

Not shown (fewer than 10 home policies): A99/AR, D. Shares are of all insured homes; a few policies have no rated zone. "vs last year" compares medians with policies in force a year earlier.

Cost by type of building

All NFIP policies in force in New Jersey, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home95,957$1,326$1,572
2–4 unit building7,633$1,689$2,010
Manufactured (mobile) home102$1,164$1,390
Condo or apartment unit3,808$714$862
Whole residential building (5+ units or condo association)
One policy covers the whole building, so the cost is much higher than for a single home.		13,643$2,425$4,541
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		8,195$3,773$5,007
129,338NFIP policies in force, any building
192,763insured units (condo association policies count every unit)
69%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: New Jersey

Policies in force on August 31, 2026 compared with a year earlier. Nationwide, practically all policies in both years carry FEMA's Risk Rating 2.0 occupancy codes, so both years use the same pricing system. The policies are not the same: some were new, some lapsed.

Aug 31, 2025Aug 31, 2026Change
Home policies in force112,276107,500−4.3%
Median annual cost$1,191$1,328+11.5%
Average annual cost$1,452$1,578+8.7%
All policies in force (any building)134,809129,338−4.1%

Flood claims history

Since 1978, NFIP policyholders in New Jersey have filed 202,340 flood claims. 169,194 received a payment, for a total of $6.5 billion (an average of $38,492 per paid claim). The year with the most claims was 2012 (75,727 claims). Amounts are in dollars of the time, not adjusted for inflation.

020k40k60k80k1978: 1,333 claims, 924 paid, $2,967,069 in total1979: 2,634 claims, 2,001 paid, $6,444,603 in total1980: 2,678 claims, 2,139 paid, $8,516,290 in total19801981: 458 claims, 297 paid, $2,234,681 in total1982: 355 claims, 197 paid, $917,437 in total1983: 1,704 claims, 1,115 paid, $4,279,092 in total1984: 8,887 claims, 6,753 paid, $56,489,676 in total1985: 3,575 claims, 2,675 paid, $17,853,112 in total1986: 281 claims, 125 paid, $1,124,208 in total1987: 1,317 claims, 841 paid, $5,293,993 in total1988: 185 claims, 79 paid, $874,969 in total1989: 1,378 claims, 878 paid, $6,495,106 in total1990: 253 claims, 125 paid, $1,955,080 in total19901991: 2,210 claims, 1,594 paid, $11,567,627 in total1992: 19,953 claims, 16,609 paid, $205,168,698 in total19921993: 953 claims, 473 paid, $3,987,308 in total1994: 2,396 claims, 1,742 paid, $15,081,735 in total1995: 336 claims, 189 paid, $2,340,945 in total1996: 3,334 claims, 2,524 paid, $31,143,468 in total1997: 852 claims, 623 paid, $7,117,495 in total1998: 3,090 claims, 2,218 paid, $23,110,852 in total1999: 7,623 claims, 6,353 paid, $148,450,302 in total2000: 559 claims, 379 paid, $5,032,956 in total20002001: 273 claims, 155 paid, $2,474,606 in total2002: 264 claims, 142 paid, $1,008,721 in total2003: 727 claims, 366 paid, $3,405,697 in total2004: 1,212 claims, 909 paid, $21,253,396 in total2005: 3,647 claims, 3,077 paid, $59,784,788 in total2006: 1,493 claims, 1,241 paid, $25,636,700 in total2007: 6,996 claims, 6,148 paid, $158,630,317 in total2008: 538 claims, 373 paid, $4,432,546 in total2009: 1,284 claims, 941 paid, $14,026,366 in total2010: 5,613 claims, 4,686 paid, $102,683,237 in total20102011: 22,281 claims, 19,218 paid, $655,812,483 in total20112012: 75,727 claims, 68,799 paid, $4,380,646,883 in total20122013: 438 claims, 210 paid, $2,544,613 in total2014: 729 claims, 421 paid, $7,367,598 in total2015: 246 claims, 107 paid, $1,600,179 in total2016: 1,682 claims, 1,257 paid, $27,046,409 in total2017: 247 claims, 128 paid, $3,661,066 in total2018: 856 claims, 593 paid, $20,147,779 in total2019: 443 claims, 291 paid, $6,696,547 in total2020: 280 claims, 148 paid, $2,623,492 in total20202021: 7,768 claims, 6,734 paid, $367,216,720 in total2022: 320 claims, 177 paid, $4,729,781 in total2023: 1,078 claims, 812 paid, $20,471,957 in total2024: 774 claims, 570 paid, $15,602,795 in total2025: 869 claims, 755 paid, $32,514,260 in total2026: 211 claims, 83 paid, $2,226,895 in total
Flood claims per year of loss, 1978–2026. Years with fewer than 10 claims are left blank. Hover a bar for details.
All years with at least 10 claims (49)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202621183$2,226,895$26,830
2025869755$32,514,260$43,065
2024774570$15,602,795$27,373
20231,078812$20,471,957$25,212
2022320177$4,729,781$26,722
20217,7686,734$367,216,720$54,532
2020280148$2,623,492$17,726
2019443291$6,696,547$23,012
2018856593$20,147,779$33,976
2017247128$3,661,066$28,602
20161,6821,257$27,046,409$21,517
2015246107$1,600,179$14,955
2014729421$7,367,598$17,500
2013438210$2,544,613$12,117
201275,72768,799$4,380,646,883$63,673
201122,28119,218$655,812,483$34,125
20105,6134,686$102,683,237$21,913
20091,284941$14,026,366$14,906
2008538373$4,432,546$11,884
20076,9966,148$158,630,317$25,802
20061,4931,241$25,636,700$20,658
20053,6473,077$59,784,788$19,430
20041,212909$21,253,396$23,381
2003727366$3,405,697$9,305
2002264142$1,008,721$7,104
2001273155$2,474,606$15,965
2000559379$5,032,956$13,280
19997,6236,353$148,450,302$23,367
19983,0902,218$23,110,852$10,420
1997852623$7,117,495$11,425
19963,3342,524$31,143,468$12,339
1995336189$2,340,945$12,386
19942,3961,742$15,081,735$8,658
1993953473$3,987,308$8,430
199219,95316,609$205,168,698$12,353
19912,2101,594$11,567,627$7,257
1990253125$1,955,080$15,641
19891,378878$6,495,106$7,398
198818579$874,969$11,076
19871,317841$5,293,993$6,295
1986281125$1,124,208$8,994
19853,5752,675$17,853,112$6,674
19848,8876,753$56,489,676$8,365
19831,7041,115$4,279,092$3,838
1982355197$917,437$4,657
1981458297$2,234,681$7,524
19802,6782,139$8,516,290$3,981
19792,6342,001$6,444,603$3,221
19781,333924$2,967,069$3,211

From 2016 to 2026: 14,528 claims (counting only years with at least 10). 2026 is a partial year. Claims are counted where the insured property is; they include buildings and contents, homes and businesses.

Counties in New Jersey

Counties with at least 100 NFIP home policies in force have their own page.

ZIP codes with the most insured homes