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Flood insurance cost · Somerset County, NJ

Flood insurance cost in Somerset County, New Jersey

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,354 home policies in force on August 31, 2026.

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

Median annual cost of NFIP flood insurance for a home

$1,401a year

Half of insured homes paid between $1,064 and $2,434. That is 5% more than the New Jersey median ($1,328). Most insured homes here are rated in zone X (51%).

$0$1,064 · $1,401 · $2,434$3,042
+16.4% vs Aug 31, 2025 (median $1,204)
1,354home policies in force
$1,914average cost (mean)
49%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 Somerset 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		$2,397$1,550–$3,637$2,728587 (43%)+5.0%
Zone A
High risk		$1,337$1,002–$2,732$1,84824 (2%)+3.8%
Zone AO
High risk, shallow		$1,616$1,398–$2,026$1,72950 (4%)+4.0%
Zone X
Moderate to low risk		$1,198$856–$1,398$1,241693 (51%)+16.4%

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

Type of buildingPoliciesMedianAverage
Single-family home1,205$1,401$1,933
2–4 unit building102$1,942$2,235
Condo or apartment unit47$669$752
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.		58$7,634$8,118
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		218$4,672$6,022

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

1,630NFIP policies in force, any building
1,736insured units (condo association policies count every unit)
70%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Somerset 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 force1,4701,354−7.9%
Median annual cost$1,204$1,401+16.4%
Average annual cost$1,781$1,914+7.5%
All policies in force (any building)1,7631,630−7.5%

How many homes have flood insurance?

1.4%of all homes in Somerset County have an NFIP policy
53.1%of homes in high-risk zones (special flood hazard area) have one
104,223residential buildings counted by FEMA
1,323of 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 Somerset County, New Jersey have filed 6,505 flood claims. 5,772 received a payment, for a total of $240.1 million (an average of $41,594 per paid claim). The year with the most claims was 2011 (1,382 claims). Amounts are in dollars of the time, not adjusted for inflation.

05001k1.5k2k1978: 29 claims, 17 paid, $22,537 in total1979: 135 claims, 108 paid, $265,592 in total19801982: 15 claims1983: 22 claims, 11 paid, $19,750 in total1984: 65 claims, 40 paid, $337,017 in total1989: 11 claims19901993: 10 claims1994: 17 claims1996: 580 claims, 493 paid, $6,267,236 in total1997: 11 claims1999: 1,099 claims, 1,021 paid, $40,657,160 in total19992000: 15 claims, 13 paid, $127,062 in total20002003: 14 claims2004: 13 claims2005: 21 claims, 15 paid, $244,839 in total2006: 10 claims2007: 1,020 claims, 969 paid, $38,742,357 in total20072009: 10 claims2010: 710 claims, 645 paid, $15,644,510 in total20102011: 1,382 claims, 1,253 paid, $56,086,371 in total20112012: 39 claims, 10 paid, $63,992 in total2013: 13 claims, 10 paid, $203,824 in total2014: 72 claims, 51 paid, $809,356 in total2018: 12 claims20202021: 861 claims, 802 paid, $68,581,788 in total2023: 23 claims, 19 paid, $355,451 in total2024: 22 claims, 17 paid, $441,332 in total2025: 171 claims, 161 paid, $10,490,934 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 (28)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
2025171161$10,490,934$65,161
20242217$441,332$25,961
20232319$355,451$18,708
2021861802$68,581,788$85,513
201812<10––
20147251$809,356$15,870
20131310$203,824$20,382
20123910$63,992$6,399
20111,3821,253$56,086,371$44,762
2010710645$15,644,510$24,255
200910<10––
20071,020969$38,742,357$39,982
200610<10––
20052115$244,839$16,323
200413<10––
200314<10––
20001513$127,062$9,774
19991,0991,021$40,657,160$39,821
199711<10––
1996580493$6,267,236$12,712
199417<10––
199310<10––
198911<10––
19846540$337,017$8,425
19832211$19,750$1,795
198215<10––
1979135108$265,592$2,459
19782917$22,537$1,326

From 2016 to 2026: 1,089 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

North Plainfield (234 home policies) · Manville (229 home policies) · Bridgewater (129 home policies) · Franklin (128 home policies) · Hillsborough (105 home policies) · Greenbrook (78 home policies)