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Flood insurance cost · ZIP 07035 · NJ

Flood insurance cost in ZIP 07035 (Lincoln Park, NJ)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 317 home policies in force on August 31, 2026.

ZIP code 07035 (Lincoln Park, NJ)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$2,548a year

Half of insured homes paid between $1,805 and $3,370. That is 81% more than the Morris County median ($1,407). Most insured homes here are rated in zone AE (88%).

$0$1,805 · $2,548 · $3,370$4,212
+2.8% vs Aug 31, 2025 (median $2,478)
317home policies in force
$2,672average cost (mean)
92%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 07035

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		$2,655$1,967–$3,428$2,777280 (88%)+4.6%
Zone AH
High risk, shallow		$2,493$2,171–$3,277$2,71513 (4%)+1.6%
Zone X
Moderate to low risk		$1,113$926–$1,304$1,41624 (8%)+8.0%

Not shown (fewer than 10 home policies): VE, A, 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 ZIP code 07035, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home303$2,562$2,685
2–4 unit building10$2,854$3,072
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.		14$15,481$14,870
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		32$5,366$6,933

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

363NFIP policies in force, any building
368insured units (condo association policies count every unit)
54%of home policies also cover contents
$25,000median contents coverage, when bought

One year on: ZIP code 07035

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 force338317−6.2%
Median annual cost$2,478$2,548+2.8%
Average annual cost$2,570$2,672+4.0%
All policies in force (any building)385363−5.7%

Flood claims history

Since 1978, NFIP policyholders in ZIP 07035 have filed 3,380 flood claims. 2,954 received a payment, for a total of $66.4 million (an average of $22,488 per paid claim). The year with the most claims was 2011 (929 claims). Amounts are in dollars of the time, not adjusted for inflation.

02505007501k1978: 70 claims, 60 paid, $97,754 in total1979: 95 claims, 88 paid, $171,392 in total1980: 127 claims, 102 paid, $240,755 in total19801983: 173 claims, 134 paid, $308,194 in total1984: 402 claims, 360 paid, $5,070,722 in total19841987: 93 claims, 56 paid, $347,175 in total1989: 79 claims, 62 paid, $393,734 in total19901993: 34 claims, 25 paid, $182,609 in total1996: 46 claims, 36 paid, $287,729 in total1998: 25 claims, 17 paid, $121,176 in total1999: 284 claims, 249 paid, $3,862,072 in total20002003: 28 claims, 20 paid, $73,094 in total2005: 221 claims, 208 paid, $3,205,873 in total2007: 311 claims, 291 paid, $7,382,076 in total2010: 313 claims, 296 paid, $7,510,430 in total201020102011: 929 claims, 838 paid, $33,764,633 in total201120202021: 47 claims, 38 paid, $1,471,922 in total2023: 47 claims, 42 paid, $1,325,408 in total2024: 11 claims, 10 paid, $167,328 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 (19)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20241110$167,328$16,733
20234742$1,325,408$31,557
20214738$1,471,922$38,735
2011929838$33,764,633$40,292
2010313296$7,510,430$25,373
2007311291$7,382,076$25,368
2005221208$3,205,873$15,413
20032820$73,094$3,655
1999284249$3,862,072$15,510
19982517$121,176$7,128
19964636$287,729$7,992
19933425$182,609$7,304
19897962$393,734$6,351
19879356$347,175$6,200
1984402360$5,070,722$14,085
1983173134$308,194$2,300
1980127102$240,755$2,360
19799588$171,392$1,948
19787060$97,754$1,629

From 2016 to 2026: 105 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

Lincoln Park (317 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.