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Flood insurance cost · ZIP 07004 · NJ

Flood insurance cost in ZIP 07004 (Fairfield, NJ)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 783 home policies in force on August 31, 2026.

ZIP code 07004 (Fairfield, NJ)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$944a year

Half of insured homes paid between $788 and $1,152. That is 19% less than the Essex County median ($1,170). Most insured homes here are rated in zone AE (97%).

$0$788 · $944 · $1,152$1,440
+4.3% vs Aug 31, 2025 (median $905)
783home policies in force
$1,130average cost (mean)
97%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 ZIP code 07004

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		$946$788–$1,147$1,132757 (97%)+4.6%
Zone X
Moderate to low risk		$927$809–$1,170$1,07626 (3%)+1.8%

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 ZIP code 07004, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home778$942$1,123
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		245$2,646$3,830

Not shown (fewer than 10 policies): 2–4 unit building, manufactured (mobile) home, condo or apartment unit, whole residential building (5+ units or condo association).

1,029NFIP policies in force, any building
1,032insured units (condo association policies count every unit)
61%of home policies also cover contents
$81,500median contents coverage, when bought

One year on: ZIP code 07004

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 force789783−0.8%
Median annual cost$905$944+4.3%
Average annual cost$1,081$1,130+4.5%
All policies in force (any building)1,0541,029−2.4%

Flood claims history

Since 1978, NFIP policyholders in ZIP 07004 have filed 2,089 flood claims. 1,805 received a payment, for a total of $70.7 million (an average of $39,192 per paid claim). The year with the most claims was 2011 (871 claims). Amounts are in dollars of the time, not adjusted for inflation.

02505007501k1978: 12 claims1979: 33 claims, 28 paid, $98,230 in total1980: 26 claims, 16 paid, $21,534 in total19801983: 41 claims, 23 paid, $61,980 in total1984: 194 claims, 175 paid, $2,121,649 in total1987: 16 claims, 15 paid, $28,365 in total1989: 32 claims, 23 paid, $89,480 in total19901996: 21 claims, 20 paid, $223,379 in total1998: 11 claims1999: 83 claims, 69 paid, $2,623,174 in total20002001: 17 claims, 16 paid, $626,869 in total2005: 57 claims, 48 paid, $754,998 in total2007: 256 claims, 233 paid, $6,635,855 in total20072010: 236 claims, 207 paid, $5,487,070 in total201020102011: 871 claims, 794 paid, $46,496,288 in total20112018: 13 claims, 10 paid, $692,269 in total20202021: 72 claims, 54 paid, $3,717,377 in total2023: 34 claims, 28 paid, $698,486 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 (18)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20233428$698,486$24,946
20217254$3,717,377$68,840
20181310$692,269$69,227
2011871794$46,496,288$58,560
2010236207$5,487,070$26,508
2007256233$6,635,855$28,480
20055748$754,998$15,729
20011716$626,869$39,179
19998369$2,623,174$38,017
199811<10––
19962120$223,379$11,169
19893223$89,480$3,890
19871615$28,365$1,891
1984194175$2,121,649$12,124
19834123$61,980$2,695
19802616$21,534$1,346
19793328$98,230$3,508
197812<10––

From 2016 to 2026: 119 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.

NFIP communities in this ZIP code

Fairfield (783 home policies). A ZIP code can cross city and county lines; each policy is counted once, in the ZIP code reported for the insured building.