Menu

Flood insurance cost · Ocean County, NJ

Flood insurance cost in Ocean County, New Jersey

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 34,560 home policies in force on August 31, 2026.

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

Median annual cost of NFIP flood insurance for a home

$1,305a year

Half of insured homes paid between $1,022 and $1,790. That is about the same as the New Jersey median ($1,328). Most insured homes here are rated in zone AE (83%).

$0$1,022 · $1,305 · $1,790$2,238
+12.3% vs Aug 31, 2025 (median $1,162)
34,560home policies in force
$1,541average cost (mean)
94%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 Ocean 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		$1,259$1,014–$1,620$1,3961,045 (3%)+6.8%
Zone AE
High risk		$1,317$1,018–$1,849$1,56728,853 (83%)+12.3%
Zone A
High risk		$951$682–$1,378$1,08695 (0%)−2.0%
Zone AO
High risk, shallow		$1,384$1,162–$1,921$1,6582,340 (7%)+13.1%
Zone X
Moderate to low risk		$1,205$917–$1,371$1,1662,226 (6%)+14.2%

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

Type of buildingPoliciesMedianAverage
Single-family home32,555$1,302$1,530
2–4 unit building1,379$1,790$2,050
Condo or apartment unit620$822$958
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.		914$3,214$4,198
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		835$3,567$4,726

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

36,309NFIP policies in force, any building
40,020insured units (condo association policies count every unit)
74%of home policies also cover contents
$83,000median contents coverage, when bought

One year on: Ocean 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 force36,18734,560−4.5%
Median annual cost$1,162$1,305+12.3%
Average annual cost$1,397$1,541+10.3%
All policies in force (any building)38,01936,309−4.5%

How many homes have flood insurance?

16.6%of all homes in Ocean County have an NFIP policy
70.8%of homes in high-risk zones (special flood hazard area) have one
214,768residential buildings counted by FEMA
47,067of 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 Ocean County, New Jersey have filed 52,917 flood claims. 45,525 received a payment, for a total of $2.6 billion (an average of $57,324 per paid claim). The year with the most claims was 2012 (37,792 claims). Amounts are in dollars of the time, not adjusted for inflation.

010k20k30k40k1978: 104 claims, 59 paid, $230,282 in total1979: 143 claims, 81 paid, $107,124 in total1980: 133 claims, 106 paid, $236,167 in total19801981: 14 claims1982: 39 claims, 22 paid, $69,983 in total1983: 34 claims, 10 paid, $21,375 in total1984: 987 claims, 636 paid, $2,816,500 in total1985: 413 claims, 239 paid, $793,475 in total1986: 32 claims, 13 paid, $19,090 in total1987: 99 claims, 53 paid, $95,954 in total1989: 77 claims, 33 paid, $85,232 in total1990: 17 claims19901991: 887 claims, 590 paid, $3,077,428 in total1992: 6,930 claims, 5,533 paid, $66,782,585 in total19921993: 285 claims, 139 paid, $707,594 in total1994: 97 claims, 54 paid, $353,678 in total1995: 80 claims, 46 paid, $260,035 in total1996: 155 claims, 85 paid, $684,234 in total1997: 316 claims, 248 paid, $1,824,189 in total1998: 387 claims, 221 paid, $1,221,832 in total1999: 102 claims, 31 paid, $142,817 in total2000: 124 claims, 89 paid, $696,827 in total20002001: 53 claims, 26 paid, $193,909 in total2002: 54 claims, 28 paid, $189,876 in total2003: 113 claims, 52 paid, $411,041 in total2004: 29 claims, 11 paid, $137,107 in total2005: 380 claims, 309 paid, $5,470,253 in total2006: 407 claims, 317 paid, $4,278,401 in total2007: 70 claims, 22 paid, $200,578 in total2008: 59 claims, 38 paid, $396,680 in total2009: 161 claims, 115 paid, $1,422,499 in total2010: 306 claims, 181 paid, $1,803,192 in total20102011: 1,156 claims, 844 paid, $18,436,031 in total20112012: 37,792 claims, 34,847 paid, $2,489,284,460 in total20122013: 64 claims, 17 paid, $309,929 in total2014: 144 claims, 82 paid, $972,651 in total2015: 27 claims2016: 71 claims, 39 paid, $751,557 in total2017: 54 claims, 29 paid, $518,506 in total2018: 63 claims, 32 paid, $561,786 in total2019: 38 claims, 15 paid, $191,284 in total2020: 29 claims20202021: 113 claims, 48 paid, $677,954 in total2022: 68 claims, 33 paid, $472,907 in total2023: 32 claims, 19 paid, $218,653 in total2024: 87 claims, 57 paid, $840,712 in total2025: 71 claims, 51 paid, $1,541,145 in total2026: 13 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 (48)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202613<10––
20257151$1,541,145$30,219
20248757$840,712$14,749
20233219$218,653$11,508
20226833$472,907$14,331
202111348$677,954$14,124
202029<10––
20193815$191,284$12,752
20186332$561,786$17,556
20175429$518,506$17,880
20167139$751,557$19,271
201527<10––
201414482$972,651$11,862
20136417$309,929$18,231
201237,79234,847$2,489,284,460$71,435
20111,156844$18,436,031$21,844
2010306181$1,803,192$9,962
2009161115$1,422,499$12,370
20085938$396,680$10,439
20077022$200,578$9,117
2006407317$4,278,401$13,497
2005380309$5,470,253$17,703
20042911$137,107$12,464
200311352$411,041$7,905
20025428$189,876$6,781
20015326$193,909$7,458
200012489$696,827$7,830
199910231$142,817$4,607
1998387221$1,221,832$5,529
1997316248$1,824,189$7,356
199615585$684,234$8,050
19958046$260,035$5,653
19949754$353,678$6,550
1993285139$707,594$5,091
19926,9305,533$66,782,585$12,070
1991887590$3,077,428$5,216
199017<10––
19897733$85,232$2,583
19879953$95,954$1,810
19863213$19,090$1,468
1985413239$793,475$3,320
1984987636$2,816,500$4,428
19833410$21,375$2,138
19823922$69,983$3,181
198114<10––
1980133106$236,167$2,228
197914381$107,124$1,323
197810459$230,282$3,903

From 2016 to 2026: 639 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 Ocean County

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

Main NFIP communities in the county

Toms River (6,152 home policies) · Long Beach (4,703 home policies) · Brick (3,227 home policies) · Stafford (2,419 home policies) · Little Egg Harbor (1,859 home policies) · Lacey (1,827 home policies)