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Flood insurance cost · Camden County, NJ

Flood insurance cost in Camden County, New Jersey

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,320 home policies in force on August 31, 2026.

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

Median annual cost of NFIP flood insurance for a home

$1,200a year

Half of insured homes paid between $814 and $1,698. That is 10% less than the New Jersey median ($1,328). Most insured homes here are rated in zone AE (61%).

$0$814 · $1,200 · $1,698$2,122
+11.0% vs Aug 31, 2025 (median $1,081)
1,320home policies in force
$1,348average cost (mean)
68%of insured homes in high-risk zones (A, V)
$221,000median 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 Camden 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		$1,476$1,100–$1,987$1,620810 (61%)+7.6%
Zone A
High risk		$754$612–$972$87488 (7%)+3.9%
Zone X
Moderate to low risk		$828$602–$1,200$923422 (32%)+2.2%

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 Camden County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,265$1,200$1,347
2–4 unit building39$1,446$1,585
Condo or apartment unit14$489$730
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.		89$2,425$3,886
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		150$5,631$6,099

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

1,559NFIP policies in force, any building
1,562insured units (condo association policies count every unit)
53%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Camden 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 force1,3551,320−2.6%
Median annual cost$1,081$1,200+11.0%
Average annual cost$1,253$1,348+7.6%
All policies in force (any building)1,5921,559−2.1%

How many homes have flood insurance?

0.9%of all homes in Camden County have an NFIP policy
34.5%of homes in high-risk zones (special flood hazard area) have one
154,178residential buildings counted by FEMA
2,774of 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 Camden County, New Jersey have filed 1,335 flood claims. 891 received a payment, for a total of $8,949,260 (an average of $10,044 per paid claim). The year with the most claims was 2011 (144 claims). Amounts are in dollars of the time, not adjusted for inflation.

0501001502001978: 35 claims, 24 paid, $64,504 in total1979: 41 claims, 27 paid, $102,856 in total1980: 52 claims, 43 paid, $456,949 in total19801982: 10 claims1983: 12 claims1984: 23 claims, 16 paid, $100,050 in total1985: 16 claims1988: 10 claims1989: 27 claims, 13 paid, $69,143 in total19901991: 24 claims, 12 paid, $195,170 in total1992: 14 claims1994: 116 claims, 96 paid, $1,040,465 in total19941996: 14 claims1998: 10 claims1999: 28 claims, 16 paid, $88,819 in total20002002: 14 claims2003: 21 claims, 12 paid, $32,303 in total2004: 101 claims, 77 paid, $893,014 in total20042005: 18 claims, 13 paid, $81,088 in total2006: 64 claims, 56 paid, $391,565 in total2007: 59 claims, 49 paid, $212,027 in total2009: 58 claims, 41 paid, $201,919 in total2010: 45 claims, 33 paid, $227,587 in total20102011: 144 claims, 95 paid, $758,150 in total20112012: 49 claims, 32 paid, $960,985 in total2013: 54 claims, 34 paid, $333,099 in total2014: 33 claims, 19 paid, $147,626 in total2018: 15 claims2019: 56 claims, 39 paid, $919,345 in total2020: 11 claims20202021: 18 claims2023: 18 claims, 10 paid, $211,602 in total2024: 18 claims, 13 paid, $215,206 in total2026: 33 claims, 20 paid, $264,894 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 (34)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20263320$264,894$13,245
20241813$215,206$16,554
20231810$211,602$21,160
202118<10––
202011<10––
20195639$919,345$23,573
201815<10––
20143319$147,626$7,770
20135434$333,099$9,797
20124932$960,985$30,031
201114495$758,150$7,981
20104533$227,587$6,897
20095841$201,919$4,925
20075949$212,027$4,327
20066456$391,565$6,992
20051813$81,088$6,238
200410177$893,014$11,598
20032112$32,303$2,692
200214<10––
19992816$88,819$5,551
199810<10––
199614<10––
199411696$1,040,465$10,838
199214<10––
19912412$195,170$16,264
19892713$69,143$5,319
198810<10––
198516<10––
19842316$100,050$6,253
198312<10––
198210<10––
19805243$456,949$10,627
19794127$102,856$3,809
19783524$64,504$2,688

From 2016 to 2026: 169 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.

Main NFIP communities in the county

Camden (460 home policies) · Cherry Hill (141 home policies) · Winslow (104 home policies) · Gloucester (82 home policies) · Pennsauken (78 home policies) · Voorhees (56 home policies)