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Flood insurance cost · Burlington County, NJ

Flood insurance cost in Burlington County, New Jersey

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 2,775 home policies in force on August 31, 2026.

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

Median annual cost of NFIP flood insurance for a home

$1,430a year

Half of insured homes paid between $1,096 and $2,367. That is 8% more than the New Jersey median ($1,328). Most insured homes here are rated in zone AE (66%).

$0$1,096 · $1,430 · $2,367$2,959
+15.2% vs Aug 31, 2025 (median $1,241)
2,775home policies in force
$1,848average cost (mean)
78%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 Burlington 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		$1,956$1,385–$2,919$2,2611,829 (66%)+10.2%
Zone A
High risk		$1,044$819–$1,270$1,063339 (12%)+3.0%
Zone X
Moderate to low risk		$1,080$752–$1,259$1,042607 (22%)+14.6%

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 Burlington County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home2,689$1,428$1,846
2–4 unit building51$2,459$2,628
Condo or apartment unit35$604$850
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.		66$3,469$4,262
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		177$3,282$4,967

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

3,018NFIP policies in force, any building
3,132insured units (condo association policies count every unit)
57%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Burlington 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 force2,8562,775−2.8%
Median annual cost$1,241$1,430+15.2%
Average annual cost$1,675$1,848+10.3%
All policies in force (any building)3,0963,018−2.5%

How many homes have flood insurance?

2.1%of all homes in Burlington County have an NFIP policy
54.9%of homes in high-risk zones (special flood hazard area) have one
132,879residential buildings counted by FEMA
4,044of 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 Burlington County, New Jersey have filed 2,186 flood claims. 1,523 received a payment, for a total of $29.4 million (an average of $19,303 per paid claim). The year with the most claims was 2011 (424 claims). Amounts are in dollars of the time, not adjusted for inflation.

02004006008001978: 52 claims, 32 paid, $160,039 in total1979: 57 claims, 36 paid, $127,762 in total1980: 18 claims, 15 paid, $141,016 in total19801983: 17 claims1984: 30 claims, 20 paid, $67,669 in total1985: 12 claims1987: 18 claims, 12 paid, $49,879 in total1989: 77 claims, 47 paid, $292,078 in total19901992: 50 claims, 26 paid, $180,345 in total1993: 15 claims1994: 28 claims, 13 paid, $83,310 in total1996: 49 claims, 30 paid, $185,872 in total1998: 29 claims, 24 paid, $172,180 in total1999: 38 claims, 17 paid, $171,821 in total20002003: 20 claims2004: 232 claims, 190 paid, $7,999,557 in total20042005: 32 claims, 21 paid, $180,761 in total2006: 13 claims2007: 243 claims, 192 paid, $2,992,418 in total20072009: 20 claims, 14 paid, $79,271 in total2010: 53 claims, 34 paid, $217,995 in total20102011: 424 claims, 328 paid, $5,532,936 in total20112012: 108 claims, 82 paid, $3,668,752 in total2013: 11 claims2014: 99 claims, 70 paid, $1,154,486 in total2017: 15 claims2018: 51 claims, 33 paid, $1,029,996 in total2019: 140 claims, 116 paid, $3,261,331 in total20202021: 39 claims, 22 paid, $286,863 in total2023: 27 claims, 14 paid, $108,629 in total2024: 88 claims, 63 paid, $811,671 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 (31)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20248863$811,671$12,884
20232714$108,629$7,759
20213922$286,863$13,039
2019140116$3,261,331$28,115
20185133$1,029,996$31,212
201715<10––
20149970$1,154,486$16,493
201311<10––
201210882$3,668,752$44,741
2011424328$5,532,936$16,869
20105334$217,995$6,412
20092014$79,271$5,662
2007243192$2,992,418$15,586
200613<10––
20053221$180,761$8,608
2004232190$7,999,557$42,103
200320<10––
19993817$171,821$10,107
19982924$172,180$7,174
19964930$185,872$6,196
19942813$83,310$6,408
199315<10––
19925026$180,345$6,936
19897747$292,078$6,214
19871812$49,879$4,157
198512<10––
19843020$67,669$3,383
198317<10––
19801815$141,016$9,401
19795736$127,762$3,549
19785232$160,039$5,001

From 2016 to 2026: 360 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 Burlington County

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

Main NFIP communities in the county

Burlington (1,019 home policies) · Cinnaminson (171 home policies) · Willingboro (154 home policies) · Pemberton (148 home policies) · Medford (145 home policies) · Mount Laurel (131 home policies)