Menu

Flood insurance cost · Middlesex County, NJ

Flood insurance cost in Middlesex County, New Jersey

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 2,359 home policies in force on August 31, 2026.

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

Median annual cost of NFIP flood insurance for a home

$1,207a year

Half of insured homes paid between $880 and $1,786. That is 9% less than the New Jersey median ($1,328). The most common flood zone for insured homes here is zone X (50%).

$0$880 · $1,207 · $1,786$2,232
+11.6% vs Aug 31, 2025 (median $1,082)
2,359home policies in force
$1,549average cost (mean)
50%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 Middlesex 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		$1,758$1,140–$2,579$2,0701,131 (48%)+10.6%
Zone A
High risk		$1,316$853–$1,745$1,52037 (2%)+5.0%
Zone X
Moderate to low risk		$1,080$728–$1,264$1,0471,178 (50%)+13.8%

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 Middlesex County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home2,047$1,259$1,601
2–4 unit building107$1,736$1,982
Manufactured (mobile) home10$786$804
Condo or apartment unit195$748$806
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.		132$7,044$7,906
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		318$3,654$4,909
2,809NFIP policies in force, any building
3,045insured units (condo association policies count every unit)
74%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Middlesex 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 force2,5252,359−6.6%
Median annual cost$1,082$1,207+11.6%
Average annual cost$1,428$1,549+8.5%
All policies in force (any building)2,9972,809−6.3%

How many homes have flood insurance?

1.2%of all homes in Middlesex County have an NFIP policy
53.5%of homes in high-risk zones (special flood hazard area) have one
212,397residential buildings counted by FEMA
2,391of 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 Middlesex County, New Jersey have filed 5,247 flood claims. 4,380 received a payment, for a total of $164.2 million (an average of $37,486 per paid claim). The year with the most claims was 2011 (1,114 claims). Amounts are in dollars of the time, not adjusted for inflation.

05001k1.5k2k1978: 48 claims, 32 paid, $38,148 in total1979: 100 claims, 65 paid, $106,556 in total1980: 49 claims, 31 paid, $48,824 in total19801981: 10 claims1982: 17 claims1983: 31 claims, 14 paid, $27,534 in total1984: 38 claims, 11 paid, $17,750 in total1987: 10 claims1988: 18 claims1989: 43 claims, 26 paid, $315,168 in total19901991: 17 claims, 12 paid, $164,307 in total1992: 162 claims, 128 paid, $1,695,600 in total1994: 49 claims, 29 paid, $207,093 in total1995: 12 claims1996: 319 claims, 249 paid, $3,549,725 in total1997: 21 claims, 14 paid, $31,024 in total1999: 356 claims, 298 paid, $7,759,254 in total20002001: 13 claims2003: 23 claims2004: 32 claims, 18 paid, $115,887 in total2005: 83 claims, 69 paid, $791,321 in total2006: 19 claims, 14 paid, $77,172 in total2007: 294 claims, 250 paid, $4,146,974 in total2008: 13 claims, 11 paid, $131,414 in total2010: 471 claims, 411 paid, $9,669,207 in total20102011: 1,114 claims, 1,005 paid, $28,840,941 in total20112012: 747 claims, 696 paid, $53,573,419 in total20122014: 54 claims, 38 paid, $476,939 in total2018: 38 claims, 30 paid, $1,016,935 in total2019: 18 claims, 13 paid, $314,899 in total20202021: 707 claims, 639 paid, $41,216,887 in total20212023: 38 claims, 28 paid, $721,507 in total2024: 16 claims2025: 163 claims, 158 paid, $8,074,976 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
2025163158$8,074,976$51,107
202416<10––
20233828$721,507$25,768
2021707639$41,216,887$64,502
20191813$314,899$24,223
20183830$1,016,935$33,898
20145438$476,939$12,551
2012747696$53,573,419$76,973
20111,1141,005$28,840,941$28,697
2010471411$9,669,207$23,526
20081311$131,414$11,947
2007294250$4,146,974$16,588
20061914$77,172$5,512
20058369$791,321$11,468
20043218$115,887$6,438
200323<10––
200113<10––
1999356298$7,759,254$26,038
19972114$31,024$2,216
1996319249$3,549,725$14,256
199512<10––
19944929$207,093$7,141
1992162128$1,695,600$13,247
19911712$164,307$13,692
19894326$315,168$12,122
198818<10––
198710<10––
19843811$17,750$1,614
19833114$27,534$1,967
198217<10––
198110<10––
19804931$48,824$1,575
197910065$106,556$1,639
19784832$38,148$1,192

From 2016 to 2026: 980 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

Woodbridge (292 home policies) · Monroe (256 home policies) · Dunellen (215 home policies) · Middlesex (210 home policies) · Edison (153 home policies) · South Plainfield (145 home policies)