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Flood insurance cost · ZIP 07065 · NJ

Flood insurance cost in ZIP 07065 (Rahway, NJ)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 343 home policies in force on August 31, 2026.

ZIP code 07065 (Rahway, NJ)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,385a year

Half of insured homes paid between $1,116 and $1,739. That is about the same as the Union County median ($1,372). Most insured homes here are rated in zone AE (80%).

$0$1,116 · $1,385 · $1,739$2,174
+6.7% vs Aug 31, 2025 (median $1,298)
343home policies in force
$1,451average cost (mean)
80%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 07065

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		$1,442$1,183–$1,811$1,525276 (80%)+4.5%
Zone X
Moderate to low risk		$1,197$969–$1,386$1,14767 (20%)+14.4%

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 07065, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home315$1,368$1,423
2–4 unit building25$1,799$1,868
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.		34$5,656$5,543
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		45$3,987$4,847

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

422NFIP policies in force, any building
497insured units (condo association policies count every unit)
50%of home policies also cover contents
$50,000median contents coverage, when bought

One year on: ZIP code 07065

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 force350343−2.0%
Median annual cost$1,298$1,385+6.7%
Average annual cost$1,375$1,451+5.5%
All policies in force (any building)430422−1.9%

Flood claims history

Since 1978, NFIP policyholders in ZIP 07065 have filed 1,035 flood claims. 890 received a payment, for a total of $28.0 million (an average of $31,452 per paid claim). The year with the most claims was 2011 (267 claims). Amounts are in dollars of the time, not adjusted for inflation.

01002003004001978: 12 claims, 10 paid, $8,490 in total1979: 12 claims19801983: 12 claims1989: 16 claims, 12 paid, $60,149 in total19901992: 13 claims1996: 71 claims, 64 paid, $699,823 in total1997: 10 claims1999: 101 claims, 81 paid, $1,533,782 in total199920002007: 77 claims, 69 paid, $1,365,242 in total2010: 63 claims, 54 paid, $819,442 in total20102011: 267 claims, 246 paid, $8,552,922 in total20112012: 70 claims, 67 paid, $4,070,474 in total2014: 17 claims, 15 paid, $219,181 in total20202021: 196 claims, 179 paid, $9,523,908 in total20212025: 18 claims, 16 paid, $421,707 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 (15)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20251816$421,707$26,357
2021196179$9,523,908$53,206
20141715$219,181$14,612
20127067$4,070,474$60,753
2011267246$8,552,922$34,768
20106354$819,442$15,175
20077769$1,365,242$19,786
199910181$1,533,782$18,936
199710<10––
19967164$699,823$10,935
199213<10––
19891612$60,149$5,012
198312<10––
197912<10––
19781210$8,490$849

From 2016 to 2026: 214 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

Rahway (343 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.