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Flood insurance cost · Monmouth County, NJ

Flood insurance cost in Monmouth County, New Jersey

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 14,040 home policies in force on August 31, 2026.

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

Median annual cost of NFIP flood insurance for a home

$1,213a year

Half of insured homes paid between $896 and $1,683. That is 9% less than the New Jersey median ($1,328). Most insured homes here are rated in zone AE (69%).

$0$896 · $1,213 · $1,683$2,104
+10.1% vs Aug 31, 2025 (median $1,102)
14,040home policies in force
$1,347average cost (mean)
71%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 Monmouth 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 VE / V
High risk, coastal		$1,016$845–$1,361$1,215165 (1%)+0.4%
Zone AE
High risk		$1,400$992–$1,861$1,4959,658 (69%)+10.0%
Zone A
High risk		$966$760–$1,218$1,043126 (1%)+3.9%
Zone X
Moderate to low risk		$1,004$752–$1,237$1,0104,077 (29%)+4.3%

Not shown (fewer than 10 home policies): 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 Monmouth County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home13,020$1,224$1,354
2–4 unit building461$1,554$1,710
Condo or apartment unit552$752$873
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.		510$4,766$6,849
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		583$2,893$4,261

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

15,133NFIP policies in force, any building
19,581insured units (condo association policies count every unit)
75%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Monmouth 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 force14,51714,040−3.3%
Median annual cost$1,102$1,213+10.1%
Average annual cost$1,241$1,347+8.5%
All policies in force (any building)15,64915,133−3.3%

How many homes have flood insurance?

7.4%of all homes in Monmouth County have an NFIP policy
70.4%of homes in high-risk zones (special flood hazard area) have one
196,460residential buildings counted by FEMA
14,605of 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 Monmouth County, New Jersey have filed 20,071 flood claims. 16,964 received a payment, for a total of $937.9 million (an average of $55,285 per paid claim). The year with the most claims was 2012 (10,108 claims). Amounts are in dollars of the time, not adjusted for inflation.

05k10k15k20k1978: 209 claims, 151 paid, $565,307 in total1979: 95 claims, 53 paid, $284,388 in total1980: 51 claims, 28 paid, $92,122 in total19801983: 46 claims, 23 paid, $112,698 in total1984: 1,118 claims, 779 paid, $4,434,955 in total1985: 151 claims, 104 paid, $705,369 in total1987: 112 claims, 76 paid, $334,576 in total1988: 55 claims, 33 paid, $175,831 in total1989: 60 claims, 34 paid, $268,156 in total1990: 17 claims19901991: 407 claims, 327 paid, $1,904,925 in total1992: 3,456 claims, 2,977 paid, $54,024,312 in total19921993: 166 claims, 47 paid, $443,665 in total1994: 85 claims, 35 paid, $254,936 in total1995: 17 claims1996: 194 claims, 142 paid, $1,530,443 in total1997: 22 claims1998: 82 claims, 33 paid, $145,233 in total1999: 41 claims, 20 paid, $152,950 in total2000: 27 claims, 17 paid, $179,563 in total20002001: 29 claims, 19 paid, $233,411 in total2002: 48 claims, 30 paid, $274,133 in total2003: 27 claims2004: 22 claims, 11 paid, $135,422 in total2005: 389 claims, 323 paid, $7,606,649 in total2006: 21 claims, 11 paid, $169,310 in total2007: 51 claims, 30 paid, $354,465 in total2008: 23 claims, 15 paid, $86,457 in total2009: 29 claims, 12 paid, $120,062 in total2010: 417 claims, 287 paid, $4,144,897 in total20102011: 1,781 claims, 1,428 paid, $28,100,523 in total20112012: 10,108 claims, 9,443 paid, $820,390,942 in total20122013: 55 claims, 21 paid, $221,220 in total2014: 64 claims, 37 paid, $878,400 in total2015: 17 claims2016: 18 claims, 10 paid, $34,495 in total2017: 26 claims, 11 paid, $208,400 in total2018: 103 claims, 77 paid, $1,909,763 in total2019: 21 claims2020: 11 claims20202021: 68 claims, 40 paid, $589,398 in total2022: 31 claims, 21 paid, $197,690 in total2023: 163 claims, 137 paid, $3,316,767 in total2024: 34 claims, 21 paid, $495,506 in total2025: 17 claims2026: 65 claims, 37 paid, $1,767,086 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 (46)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20266537$1,767,086$47,759
202517<10––
20243421$495,506$23,596
2023163137$3,316,767$24,210
20223121$197,690$9,414
20216840$589,398$14,735
202011<10––
201921<10––
201810377$1,909,763$24,802
20172611$208,400$18,945
20161810$34,495$3,450
201517<10––
20146437$878,400$23,741
20135521$221,220$10,534
201210,1089,443$820,390,942$86,878
20111,7811,428$28,100,523$19,678
2010417287$4,144,897$14,442
20092912$120,062$10,005
20082315$86,457$5,764
20075130$354,465$11,816
20062111$169,310$15,392
2005389323$7,606,649$23,550
20042211$135,422$12,311
200327<10––
20024830$274,133$9,138
20012919$233,411$12,285
20002717$179,563$10,563
19994120$152,950$7,648
19988233$145,233$4,401
199722<10––
1996194142$1,530,443$10,778
199517<10––
19948535$254,936$7,284
199316647$443,665$9,440
19923,4562,977$54,024,312$18,147
1991407327$1,904,925$5,825
199017<10––
19896034$268,156$7,887
19885533$175,831$5,328
198711276$334,576$4,402
1985151104$705,369$6,782
19841,118779$4,434,955$5,693
19834623$112,698$4,900
19805128$92,122$3,290
19799553$284,388$5,366
1978209151$565,307$3,744

From 2016 to 2026: 557 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 Monmouth County

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

Main NFIP communities in the county

Middletown (2,079 home policies) · Keansburg (1,545 home policies) · Manasquan (1,321 home policies) · Union Beach (1,118 home policies) · Long Branch (644 home policies) · Monmouth Beach (618 home policies)