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Flood insurance cost · Hudson County, NJ

Flood insurance cost in Hudson County, New Jersey

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,775 home policies in force on August 31, 2026.

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

Median annual cost of NFIP flood insurance for a home

$1,581a year

Half of insured homes paid between $1,076 and $2,701. That is 19% more than the New Jersey median ($1,328). Most insured homes here are rated in zone AE (65%).

$0$1,076 · $1,581 · $2,701$3,376
+11.0% vs Aug 31, 2025 (median $1,424)
1,775home policies in force
$1,997average cost (mean)
74%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 Hudson 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		$2,088$1,230–$3,133$2,3161,162 (65%)+3.8%
Zone AH
High risk, shallow		$1,928$1,097–$2,754$2,006144 (8%)+3.9%
Zone X
Moderate to low risk		$1,200$886–$1,400$1,197466 (26%)+16.4%

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

Type of buildingPoliciesMedianAverage
Single-family home658$1,700$2,139
2–4 unit building693$2,236$2,449
Condo or apartment unit424$848$1,036
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.		1,474$7,524$11,894
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		744$3,974$5,606

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

3,993NFIP policies in force, any building
23,594insured units (condo association policies count every unit)
52%of home policies also cover contents
$84,000median contents coverage, when bought

One year on: Hudson 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 force1,8561,775−4.4%
Median annual cost$1,424$1,581+11.0%
Average annual cost$1,895$1,997+5.4%
All policies in force (any building)4,1623,993−4.1%

How many homes have flood insurance?

3.5%of all homes in Hudson County have an NFIP policy
18.0%of homes in high-risk zones (special flood hazard area) have one
85,704residential buildings counted by FEMA
13,150of 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 Hudson County, New Jersey have filed 5,326 flood claims. 4,018 received a payment, for a total of $185.5 million (an average of $46,161 per paid claim). The year with the most claims was 2012 (2,403 claims). Amounts are in dollars of the time, not adjusted for inflation.

01k2k3k4k1978: 22 claims, 14 paid, $151,563 in total1979: 62 claims, 55 paid, $1,388,136 in total1980: 49 claims, 45 paid, $629,082 in total19801981: 54 claims, 41 paid, $428,800 in total1982: 19 claims, 10 paid, $61,012 in total1983: 69 claims, 54 paid, $612,172 in total1984: 45 claims, 28 paid, $1,255,417 in total1985: 28 claims, 21 paid, $778,677 in total1986: 17 claims1987: 16 claims1989: 24 claims, 12 paid, $657,145 in total1990: 10 claims19901992: 105 claims, 55 paid, $904,778 in total1993: 15 claims1995: 32 claims, 17 paid, $585,242 in total1996: 78 claims, 61 paid, $1,477,213 in total1998: 12 claims1999: 72 claims, 44 paid, $1,392,023 in total20002003: 43 claims, 24 paid, $101,271 in total2004: 63 claims, 41 paid, $396,720 in total2005: 33 claims, 23 paid, $535,659 in total2006: 23 claims, 14 paid, $134,364 in total2007: 225 claims, 162 paid, $1,920,592 in total2008: 10 claims2009: 14 claims2010: 130 claims, 79 paid, $1,914,570 in total20102011: 666 claims, 483 paid, $8,236,915 in total20112012: 2,403 claims, 2,005 paid, $142,488,453 in total20122013: 23 claims, 11 paid, $177,440 in total2014: 20 claims2015: 15 claims2016: 28 claims, 15 paid, $395,661 in total2017: 21 claims, 14 paid, $269,906 in total2018: 51 claims, 36 paid, $657,993 in total2020: 35 claims, 14 paid, $410,483 in total20202021: 681 claims, 519 paid, $14,690,181 in total20212023: 21 claims, 16 paid, $399,382 in total2025: 14 claims2026: 19 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 (39)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202619<10––
202514<10––
20232116$399,382$24,961
2021681519$14,690,181$28,305
20203514$410,483$29,320
20185136$657,993$18,278
20172114$269,906$19,279
20162815$395,661$26,377
201515<10––
201420<10––
20132311$177,440$16,131
20122,4032,005$142,488,453$71,067
2011666483$8,236,915$17,054
201013079$1,914,570$24,235
200914<10––
200810<10––
2007225162$1,920,592$11,856
20062314$134,364$9,597
20053323$535,659$23,290
20046341$396,720$9,676
20034324$101,271$4,220
19997244$1,392,023$31,637
199812<10––
19967861$1,477,213$24,217
19953217$585,242$34,426
199315<10––
199210555$904,778$16,451
199010<10––
19892412$657,145$54,762
198716<10––
198617<10––
19852821$778,677$37,080
19844528$1,255,417$44,836
19836954$612,172$11,337
19821910$61,012$6,101
19815441$428,800$10,459
19804945$629,082$13,980
19796255$1,388,136$25,239
19782214$151,563$10,826

From 2016 to 2026: 870 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 Hudson County

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

Main NFIP communities in the county

Jersey City (796 home policies) · Hoboken (508 home policies) · New Jersey Meadowlands Commission (188 home policies) · Bayonne (139 home policies) · Weehawken (51 home policies) · North Bergen (30 home policies)