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Flood insurance cost · ZIP 07424 · NJ

Flood insurance cost in ZIP 07424 (Little Falls, NJ)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 482 home policies in force on August 31, 2026.

ZIP code 07424 (Little Falls, NJ)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$2,374a year

Half of insured homes paid between $1,466 and $3,284. That is 19% more than the Passaic County median ($1,991). Most insured homes here are rated in zone AE (88%).

$0$1,466 · $2,374 · $3,284$4,105
+5.9% vs Aug 31, 2025 (median $2,242)
482home policies in force
$2,520average cost (mean)
93%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 07424

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		$2,479$1,663–$3,357$2,640425 (88%)+4.3%
Zone AH
High risk, shallow		$2,014$1,657–$2,578$2,00124 (5%)+6.1%
Zone X
Moderate to low risk		$1,258$933–$1,408$1,36233 (7%)+22.4%

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 07424, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home442$2,357$2,466
2–4 unit building35$3,207$3,462
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		89$3,993$5,560

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

573NFIP policies in force, any building
689insured units (condo association policies count every unit)
46%of home policies also cover contents
$34,000median contents coverage, when bought

One year on: ZIP code 07424

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 force483482−0.2%
Median annual cost$2,242$2,374+5.9%
Average annual cost$2,369$2,520+6.4%
All policies in force (any building)577573−0.7%

Flood claims history

Since 1978, NFIP policyholders in ZIP 07424 have filed 2,569 flood claims. 2,230 received a payment, for a total of $54.4 million (an average of $24,409 per paid claim). The year with the most claims was 2011 (825 claims). Amounts are in dollars of the time, not adjusted for inflation.

02505007501k1979: 15 claims, 14 paid, $11,661 in total19801983: 21 claims, 17 paid, $18,616 in total1984: 201 claims, 169 paid, $1,615,584 in total1989: 71 claims, 51 paid, $217,848 in total19901996: 18 claims1999: 186 claims, 170 paid, $2,955,608 in total20002005: 191 claims, 151 paid, $2,179,797 in total2007: 331 claims, 302 paid, $5,748,402 in total20072010: 309 claims, 286 paid, $5,054,924 in total201020102011: 825 claims, 743 paid, $21,005,966 in total20112018: 77 claims, 69 paid, $5,488,631 in total20202021: 162 claims, 140 paid, $8,491,099 in total2023: 64 claims, 53 paid, $1,155,779 in total2024: 23 claims, 17 paid, $231,118 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 (14)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20242317$231,118$13,595
20236453$1,155,779$21,807
2021162140$8,491,099$60,651
20187769$5,488,631$79,545
2011825743$21,005,966$28,272
2010309286$5,054,924$17,675
2007331302$5,748,402$19,034
2005191151$2,179,797$14,436
1999186170$2,955,608$17,386
199618<10––
19897151$217,848$4,272
1984201169$1,615,584$9,560
19832117$18,616$1,095
19791514$11,661$833

From 2016 to 2026: 326 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

Little Falls (305 home policies) · Woodland Park (177 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.