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Flood insurance cost · Bergen County, NJ

Flood insurance cost in Bergen County, New Jersey

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 5,020 home policies in force on August 31, 2026.

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

Median annual cost of NFIP flood insurance for a home

$1,342a year

Half of insured homes paid between $984 and $2,099. That is about the same as the New Jersey median ($1,328). Most insured homes here are rated in zone AE (71%).

$0$984 · $1,342 · $2,099$2,624
+11.9% vs Aug 31, 2025 (median $1,199)
5,020home policies in force
$1,758average cost (mean)
72%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 Bergen 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 AE
High risk		$1,559$1,113–$2,556$2,0403,555 (71%)+3.9%
Zone A
High risk		$1,083$838–$1,394$1,31071 (1%)+12.2%
Zone X
Moderate to low risk		$1,080$701–$1,344$1,0631,392 (28%)+8.2%

Not shown (fewer than 10 home policies): VE, 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 Bergen County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home4,151$1,323$1,721
2–4 unit building683$1,656$2,243
Condo or apartment unit181$696$812
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.		437$4,940$8,474
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		1,328$4,169$5,279

Not shown (fewer than 10 policies): manufactured (mobile) home.

6,785NFIP policies in force, any building
10,285insured units (condo association policies count every unit)
61%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Bergen 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 force5,1705,020−2.9%
Median annual cost$1,199$1,342+11.9%
Average annual cost$1,667$1,758+5.5%
All policies in force (any building)6,9816,785−2.8%

How many homes have flood insurance?

2.2%of all homes in Bergen County have an NFIP policy
41.3%of homes in high-risk zones (special flood hazard area) have one
254,586residential buildings counted by FEMA
10,177of 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 Bergen County, New Jersey have filed 14,357 flood claims. 12,131 received a payment, for a total of $423.0 million (an average of $34,868 per paid claim). The year with the most claims was 2011 (3,674 claims). Amounts are in dollars of the time, not adjusted for inflation.

01k2k3k4k1978: 68 claims, 39 paid, $343,307 in total1979: 349 claims, 280 paid, $686,065 in total1980: 155 claims, 119 paid, $313,655 in total19801981: 61 claims, 38 paid, $211,203 in total1982: 48 claims, 23 paid, $72,453 in total1983: 188 claims, 104 paid, $319,690 in total1984: 492 claims, 371 paid, $2,622,285 in total1985: 31 claims, 20 paid, $179,457 in total1986: 16 claims1987: 63 claims, 36 paid, $168,410 in total1989: 103 claims, 64 paid, $408,962 in total1990: 46 claims, 28 paid, $869,005 in total19901991: 34 claims, 23 paid, $471,461 in total1992: 228 claims, 172 paid, $3,142,914 in total1993: 15 claims1994: 23 claims1995: 24 claims, 17 paid, $64,865 in total1996: 117 claims, 77 paid, $1,719,979 in total1997: 39 claims, 22 paid, $709,116 in total1998: 14 claims1999: 1,830 claims, 1,590 paid, $36,922,040 in total19992000: 16 claims20002001: 21 claims, 15 paid, $272,299 in total2002: 14 claims2003: 40 claims, 17 paid, $641,913 in total2004: 90 claims, 68 paid, $936,150 in total2005: 219 claims, 177 paid, $3,098,584 in total2006: 45 claims, 30 paid, $190,433 in total2007: 1,548 claims, 1,392 paid, $41,333,327 in total2008: 26 claims, 17 paid, $105,952 in total2009: 29 claims, 15 paid, $383,657 in total2010: 271 claims, 211 paid, $2,844,167 in total20102011: 3,674 claims, 3,280 paid, $105,096,930 in total20112012: 2,023 claims, 1,854 paid, $122,097,352 in total20122013: 30 claims, 14 paid, $176,209 in total2014: 33 claims, 11 paid, $1,167,261 in total2015: 16 claims2017: 25 claims, 11 paid, $1,730,400 in total2018: 71 claims, 49 paid, $3,216,007 in total2019: 16 claims, 12 paid, $332,551 in total2020: 21 claims20202021: 1,765 claims, 1,583 paid, $77,730,068 in total2022: 87 claims, 56 paid, $2,216,263 in total2023: 146 claims, 106 paid, $2,847,077 in total2024: 140 claims, 117 paid, $5,586,848 in total2025: 23 claims, 17 paid, $921,205 in total2026: 13 claims
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
202613<10––
20252317$921,205$54,189
2024140117$5,586,848$47,751
2023146106$2,847,077$26,859
20228756$2,216,263$39,576
20211,7651,583$77,730,068$49,103
202021<10––
20191612$332,551$27,713
20187149$3,216,007$65,633
20172511$1,730,400$157,309
201516<10––
20143311$1,167,261$106,115
20133014$176,209$12,586
20122,0231,854$122,097,352$65,856
20113,6743,280$105,096,930$32,042
2010271211$2,844,167$13,479
20092915$383,657$25,577
20082617$105,952$6,232
20071,5481,392$41,333,327$29,693
20064530$190,433$6,348
2005219177$3,098,584$17,506
20049068$936,150$13,767
20034017$641,913$37,760
200214<10––
20012115$272,299$18,153
200016<10––
19991,8301,590$36,922,040$23,221
199814<10––
19973922$709,116$32,233
199611777$1,719,979$22,337
19952417$64,865$3,816
199423<10––
199315<10––
1992228172$3,142,914$18,273
19913423$471,461$20,498
19904628$869,005$31,036
198910364$408,962$6,390
19876336$168,410$4,678
198616<10––
19853120$179,457$8,973
1984492371$2,622,285$7,068
1983188104$319,690$3,074
19824823$72,453$3,150
19816138$211,203$5,558
1980155119$313,655$2,636
1979349280$686,065$2,450
19786839$343,307$8,803

From 2016 to 2026: 2,307 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 Bergen County

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

Main NFIP communities in the county

Little Ferry (603 home policies) · New Jersey Meadowlands Commission (286 home policies) · Rochelle Park (268 home policies) · Saddle Brook (250 home policies) · Englewood (220 home policies) · Ridgewood (217 home policies)