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Flood insurance cost · Gloucester County, NJ

Flood insurance cost in Gloucester County, New Jersey

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 805 home policies in force on August 31, 2026.

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

Median annual cost of NFIP flood insurance for a home

$1,274a year

Half of insured homes paid between $869 and $1,746. That is 4% less than the New Jersey median ($1,328). Most insured homes here are rated in zone AE (63%).

$0$869 · $1,274 · $1,746$2,182
+10.0% vs Aug 31, 2025 (median $1,158)
805home policies in force
$1,487average cost (mean)
70%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 Gloucester 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		$1,526$1,198–$2,037$1,821508 (63%)+7.0%
Zone A
High risk		$1,066$815–$1,368$1,13449 (6%)+3.0%
Zone X
Moderate to low risk		$709$559–$1,159$853245 (30%)+3.7%

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 Gloucester County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home776$1,273$1,483
2–4 unit building23$1,530$1,900
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.		27$1,648$2,306
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		74$2,826$4,370

Not shown (fewer than 10 policies): manufactured (mobile) home, condo or apartment unit.

906NFIP policies in force, any building
906insured units (condo association policies count every unit)
52%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Gloucester 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 force845805−4.7%
Median annual cost$1,158$1,274+10.0%
Average annual cost$1,361$1,487+9.3%
All policies in force (any building)944906−4.0%

How many homes have flood insurance?

0.9%of all homes in Gloucester County have an NFIP policy
50.0%of homes in high-risk zones (special flood hazard area) have one
90,490residential buildings counted by FEMA
1,148of 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 Gloucester County, New Jersey have filed 709 flood claims. 455 received a payment, for a total of $4,849,281 (an average of $10,658 per paid claim). The year with the most claims was 2011 (165 claims). Amounts are in dollars of the time, not adjusted for inflation.

0501001502001978: 15 claims1979: 30 claims, 16 paid, $46,663 in total1980: 36 claims, 31 paid, $302,782 in total19801984: 10 claims1989: 21 claims19901992: 20 claims, 16 paid, $85,507 in total1993: 11 claims1996: 17 claims, 12 paid, $41,212 in total1999: 48 claims, 18 paid, $179,678 in total199920002003: 21 claims, 13 paid, $64,543 in total2005: 16 claims, 10 paid, $109,630 in total2007: 52 claims, 37 paid, $247,445 in total20072010: 39 claims, 20 paid, $163,924 in total20102011: 165 claims, 128 paid, $1,843,892 in total20112012: 35 claims, 25 paid, $665,412 in total2013: 14 claims, 11 paid, $105,049 in total2019: 30 claims, 22 paid, $240,306 in total20202024: 15 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 (18)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202415<10––
20193022$240,306$10,923
20131411$105,049$9,550
20123525$665,412$26,616
2011165128$1,843,892$14,405
20103920$163,924$8,196
20075237$247,445$6,688
20051610$109,630$10,963
20032113$64,543$4,965
19994818$179,678$9,982
19961712$41,212$3,434
199311<10––
19922016$85,507$5,344
198921<10––
198410<10––
19803631$302,782$9,767
19793016$46,663$2,916
197815<10––

From 2016 to 2026: 45 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

Greenwich (200 home policies) · National Park (92 home policies) · West Deptford (90 home policies) · Westville (73 home policies) · Paulsboro (64 home policies) · Monroe (59 home policies)