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Flood insurance cost · Atlantic County, NJ

Flood insurance cost in Atlantic County, New Jersey

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 11,319 home policies in force on August 31, 2026.

Atlantic County, New JerseyPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,411a year

Half of insured homes paid between $1,063 and $1,882. That is 6% more than the New Jersey median ($1,328). Most insured homes here are rated in zone AE (90%).

$0$1,063 · $1,411 · $1,882$2,352
+11.3% vs Aug 31, 2025 (median $1,268)
11,319home policies in force
$1,537average cost (mean)
91%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.

Cost by flood zone in Atlantic County

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		$1,534$1,026–$1,986$1,61136 (0%)+19.1%
Zone AE
High risk		$1,449$1,083–$1,945$1,57410,201 (90%)+10.3%
Zone A
High risk		$926$723–$1,069$998103 (1%)+5.8%
Zone X
Moderate to low risk		$1,261$916–$1,457$1,203979 (9%)+16.1%

Not shown (fewer than 10 home policies): AO, AH, 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 Atlantic County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home10,072$1,401$1,535
2–4 unit building905$1,682$1,791
Manufactured (mobile) home11$2,124$1,962
Condo or apartment unit331$783$906
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.		1,137$3,406$5,634
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		506$4,353$5,028
12,962NFIP policies in force, any building
22,684insured units (condo association policies count every unit)
64%of home policies also cover contents
$74,000median contents coverage, when bought

One year on: Atlantic County

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 force11,98611,319−5.6%
Median annual cost$1,268$1,411+11.3%
Average annual cost$1,410$1,537+9.0%
All policies in force (any building)13,71112,962−5.5%

How many homes have flood insurance?

14.4%of all homes in Atlantic County have an NFIP policy
94.5%of homes in high-risk zones (special flood hazard area) have one
86,671residential buildings counted by FEMA
12,139of them in high-risk zones

FEMA NFIP Residential Penetration Rates, data as of August 3, 2026: residential contracts in force divided by residential structures.

Flood claims history

Since 1978, NFIP policyholders in Atlantic County, New Jersey have filed 20,937 flood claims. 17,738 received a payment, for a total of $494.0 million (an average of $27,848 per paid claim). The year with the most claims was 2012 (11,431 claims). Amounts are in dollars of the time, not adjusted for inflation.

05k10k15k20k1978: 63 claims, 42 paid, $66,315 in total1979: 160 claims, 100 paid, $189,592 in total1980: 208 claims, 162 paid, $696,759 in total19801981: 24 claims, 12 paid, $42,911 in total1982: 19 claims1983: 31 claims, 11 paid, $26,780 in total1984: 1,093 claims, 814 paid, $4,120,773 in total19841985: 935 claims, 715 paid, $3,673,490 in total1986: 19 claims1987: 157 claims, 105 paid, $528,690 in total1989: 86 claims, 59 paid, $231,045 in total1990: 16 claims19901991: 219 claims, 157 paid, $1,482,725 in total1992: 3,762 claims, 3,267 paid, $33,871,829 in total19921993: 100 claims, 60 paid, $478,954 in total1994: 392 claims, 296 paid, $2,431,798 in total1995: 38 claims, 21 paid, $399,545 in total1996: 109 claims, 62 paid, $917,202 in total1997: 171 claims, 128 paid, $1,707,361 in total1998: 399 claims, 277 paid, $2,351,168 in total1999: 39 claims, 23 paid, $236,137 in total2000: 62 claims, 32 paid, $636,554 in total20002001: 32 claims, 15 paid, $231,063 in total2002: 53 claims, 35 paid, $217,295 in total2003: 42 claims, 15 paid, $90,587 in total2004: 16 claims2005: 39 claims, 28 paid, $863,237 in total2006: 24 claims, 12 paid, $376,603 in total2007: 24 claims, 14 paid, $254,101 in total2008: 41 claims, 31 paid, $780,312 in total2009: 200 claims, 148 paid, $2,557,181 in total2010: 119 claims, 80 paid, $920,979 in total20102011: 182 claims, 125 paid, $1,823,972 in total2012: 11,431 claims, 10,477 paid, $420,590,676 in total20122013: 33 claims, 14 paid, $127,396 in total2014: 24 claims2015: 37 claims, 15 paid, $272,425 in total2016: 164 claims, 113 paid, $2,057,187 in total2017: 29 claims, 19 paid, $586,706 in total2018: 120 claims, 85 paid, $2,621,463 in total2019: 29 claims, 19 paid, $739,881 in total2020: 30 claims, 16 paid, $143,847 in total20202021: 25 claims, 14 paid, $503,920 in total2022: 36 claims, 26 paid, $1,473,968 in total2023: 18 claims, 10 paid, $230,908 in total2024: 22 claims, 16 paid, $726,797 in total2025: 53 claims, 40 paid, $1,351,277 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 (47)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20255340$1,351,277$33,782
20242216$726,797$45,425
20231810$230,908$23,091
20223626$1,473,968$56,691
20212514$503,920$35,994
20203016$143,847$8,990
20192919$739,881$38,941
201812085$2,621,463$30,841
20172919$586,706$30,879
2016164113$2,057,187$18,205
20153715$272,425$18,162
201424<10––
20133314$127,396$9,100
201211,43110,477$420,590,676$40,144
2011182125$1,823,972$14,592
201011980$920,979$11,512
2009200148$2,557,181$17,278
20084131$780,312$25,171
20072414$254,101$18,150
20062412$376,603$31,384
20053928$863,237$30,830
200416<10––
20034215$90,587$6,039
20025335$217,295$6,208
20013215$231,063$15,404
20006232$636,554$19,892
19993923$236,137$10,267
1998399277$2,351,168$8,488
1997171128$1,707,361$13,339
199610962$917,202$14,794
19953821$399,545$19,026
1994392296$2,431,798$8,216
199310060$478,954$7,983
19923,7623,267$33,871,829$10,368
1991219157$1,482,725$9,444
199016<10––
19898659$231,045$3,916
1987157105$528,690$5,035
198619<10––
1985935715$3,673,490$5,138
19841,093814$4,120,773$5,062
19833111$26,780$2,435
198219<10––
19812412$42,911$3,576
1980208162$696,759$4,301
1979160100$189,592$1,896
19786342$66,315$1,579

From 2016 to 2026: 526 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.

ZIP codes in Atlantic County

ZIP codes with at least 300 NFIP home policies in force have their own page.

Main NFIP communities in the county

Brigantine (2,921 home policies) · Margate City (2,515 home policies) · Ventnor City (1,906 home policies) · Atlantic City (1,712 home policies) · Longport (750 home policies) · Egg Harbor (376 home policies)