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Flood insurance cost · Morris County, NJ

Flood insurance cost in Morris County, New Jersey

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 2,091 home policies in force on August 31, 2026.

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

Median annual cost of NFIP flood insurance for a home

$1,407a year

Half of insured homes paid between $1,060 and $2,685. That is 6% more than the New Jersey median ($1,328). Most insured homes here are rated in zone AE (64%).

$0$1,060 · $1,407 · $2,685$3,356
+10.2% vs Aug 31, 2025 (median $1,277)
2,091home policies in force
$2,016average cost (mean)
67%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 Morris 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		$2,051$1,238–$3,435$2,4671,339 (64%)+3.5%
Zone A
High risk		$1,396$997–$1,710$1,47045 (2%)±0.0%
Zone AH
High risk, shallow		$2,184$1,402–$2,846$2,40116 (1%)−11.0%
Zone X
Moderate to low risk		$1,164$824–$1,371$1,169691 (33%)+13.2%

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

Type of buildingPoliciesMedianAverage
Single-family home1,965$1,407$1,979
2–4 unit building80$3,526$3,632
Condo or apartment unit41$615$785
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.		95$4,687$6,570
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		398$3,822$5,464

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

2,584NFIP policies in force, any building
2,740insured units (condo association policies count every unit)
62%of home policies also cover contents
$80,000median contents coverage, when bought

One year on: Morris 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 force2,2332,091−6.4%
Median annual cost$1,277$1,407+10.2%
Average annual cost$1,898$2,016+6.2%
All policies in force (any building)2,7772,584−6.9%

How many homes have flood insurance?

1.5%of all homes in Morris County have an NFIP policy
–of homes in high-risk zones (special flood hazard area) have one
151,495residential buildings counted by FEMA
0of 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 Morris County, New Jersey have filed 9,494 flood claims. 8,133 received a payment, for a total of $201.0 million (an average of $24,718 per paid claim). The year with the most claims was 2011 (2,968 claims). Amounts are in dollars of the time, not adjusted for inflation.

01k2k3k4k1978: 130 claims, 107 paid, $192,288 in total1979: 436 claims, 387 paid, $1,465,281 in total1980: 203 claims, 158 paid, $342,399 in total19801981: 28 claims, 16 paid, $124,627 in total1982: 21 claims1983: 320 claims, 235 paid, $507,677 in total1984: 1,105 claims, 965 paid, $11,903,325 in total19841985: 13 claims1986: 10 claims1987: 141 claims, 83 paid, $441,994 in total1989: 111 claims, 77 paid, $458,301 in total1990: 30 claims, 17 paid, $52,339 in total19901992: 46 claims, 35 paid, $315,390 in total1993: 43 claims, 27 paid, $198,168 in total1994: 32 claims, 14 paid, $77,457 in total1996: 289 claims, 232 paid, $2,822,790 in total1998: 37 claims, 26 paid, $188,457 in total1999: 791 claims, 663 paid, $9,950,513 in total2000: 136 claims, 116 paid, $2,238,550 in total20002003: 50 claims, 29 paid, $130,240 in total2005: 444 claims, 397 paid, $5,217,838 in total2006: 16 claims, 12 paid, $137,237 in total2007: 639 claims, 586 paid, $12,457,001 in total2008: 22 claims, 17 paid, $107,157 in total2009: 14 claims2010: 875 claims, 804 paid, $21,018,800 in total201020102011: 2,968 claims, 2,713 paid, $120,601,052 in total20112012: 48 claims, 13 paid, $1,008,528 in total2014: 10 claims2020: 12 claims20202021: 175 claims, 137 paid, $4,526,157 in total2023: 161 claims, 136 paid, $3,294,939 in total2024: 63 claims, 54 paid, $768,899 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 (33)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20246354$768,899$14,239
2023161136$3,294,939$24,227
2021175137$4,526,157$33,038
202012<10––
201410<10––
20124813$1,008,528$77,579
20112,9682,713$120,601,052$44,453
2010875804$21,018,800$26,143
200914<10––
20082217$107,157$6,303
2007639586$12,457,001$21,258
20061612$137,237$11,436
2005444397$5,217,838$13,143
20035029$130,240$4,491
2000136116$2,238,550$19,298
1999791663$9,950,513$15,008
19983726$188,457$7,248
1996289232$2,822,790$12,167
19943214$77,457$5,533
19934327$198,168$7,340
19924635$315,390$9,011
19903017$52,339$3,079
198911177$458,301$5,952
198714183$441,994$5,325
198610<10––
198513<10––
19841,105965$11,903,325$12,335
1983320235$507,677$2,160
198221<10––
19812816$124,627$7,789
1980203158$342,399$2,167
1979436387$1,465,281$3,786
1978130107$192,288$1,797

From 2016 to 2026: 411 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 Morris County

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

Main NFIP communities in the county

Pequannock (425 home policies) · Lincoln Park (317 home policies) · Parsippany-Troy Hills (176 home policies) · Denville (174 home policies) · Dover (99 home policies) · East Hanover (90 home policies)