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Flood insurance cost · Salem County, NJ

Flood insurance cost in Salem County, New Jersey

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,488 home policies in force on August 31, 2026.

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

Median annual cost of NFIP flood insurance for a home

$1,140a year

Half of insured homes paid between $890 and $1,456. That is 14% less than the New Jersey median ($1,328). Most insured homes here are rated in zone AE (94%).

$0$890 · $1,140 · $1,456$1,820
+7.5% vs Aug 31, 2025 (median $1,060)
1,488home policies in force
$1,227average cost (mean)
95%of insured homes in high-risk zones (A, V)
$200,000median 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 Salem 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		$1,144$892–$1,469$1,2341,398 (94%)+7.3%
Zone X
Moderate to low risk		$992$799–$1,199$1,00874 (5%)+4.2%

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

Type of buildingPoliciesMedianAverage
Single-family home1,457$1,138$1,222
2–4 unit building28$1,461$1,528
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.		24$7,607$6,052
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		32$2,896$5,007

Not shown (fewer than 10 policies): manufactured (mobile) home, condo or apartment unit.

1,544NFIP policies in force, any building
1,544insured units (condo association policies count every unit)
35%of home policies also cover contents
$55,500median contents coverage, when bought

One year on: Salem 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 force1,5051,488−1.1%
Median annual cost$1,060$1,140+7.5%
Average annual cost$1,149$1,227+6.8%
All policies in force (any building)1,5661,544−1.4%

How many homes have flood insurance?

7.0%of all homes in Salem County have an NFIP policy
38.8%of homes in high-risk zones (special flood hazard area) have one
21,740residential buildings counted by FEMA
3,723of 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 Salem County, New Jersey have filed 824 flood claims. 511 received a payment, for a total of $9,160,465 (an average of $17,927 per paid claim). The year with the most claims was 2012 (149 claims). Amounts are in dollars of the time, not adjusted for inflation.

0501001502001978: 13 claims1979: 15 claims, 10 paid, $12,175 in total1980: 74 claims, 53 paid, $188,027 in total19801984: 23 claims1985: 18 claims, 13 paid, $54,318 in total1989: 85 claims, 53 paid, $382,457 in total19901992: 10 claims1999: 93 claims, 43 paid, $306,377 in total19992000: 12 claims20002003: 19 claims, 11 paid, $90,103 in total2007: 12 claims2008: 25 claims, 12 paid, $459,430 in total2010: 11 claims20102011: 110 claims, 76 paid, $895,076 in total20112012: 149 claims, 112 paid, $3,995,913 in total20122013: 35 claims, 23 paid, $440,643 in total2020: 19 claims, 15 paid, $510,066 in total20202021: 26 claims, 19 paid, $1,408,952 in total2024: 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 (19)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202413<10––
20212619$1,408,952$74,155
20201915$510,066$34,004
20133523$440,643$19,158
2012149112$3,995,913$35,678
201111076$895,076$11,777
201011<10––
20082512$459,430$38,286
200712<10––
20031911$90,103$8,191
200012<10––
19999343$306,377$7,125
199210<10––
19898553$382,457$7,216
19851813$54,318$4,178
198423<10––
19807453$188,027$3,548
19791510$12,175$1,218
197813<10––

From 2016 to 2026: 58 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 Salem County

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

Main NFIP communities in the county

Pennsville (864 home policies) · Carneys Point (280 home policies) · Penns Grove (103 home policies) · Elsinboro (82 home policies) · Salem (76 home policies) · Lower Alloways Creek (24 home policies)