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Flood insurance cost · ZIP 07442 · NJ

Flood insurance cost in ZIP 07442 (Pompton Lakes, NJ)

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

ZIP code 07442 (Pompton Lakes, NJ)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$2,480a year

Half of insured homes paid between $1,333 and $3,693. That is 25% more than the Passaic County median ($1,991). Most insured homes here are rated in zone AE (94%).

$0$1,333 · $2,480 · $3,693$4,616
+0.9% vs Aug 31, 2025 (median $2,457)
354home policies in force
$2,631average cost (mean)
94%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 07442

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		$2,596$1,365–$3,742$2,723333 (94%)−0.9%
Zone X
Moderate to low risk		$1,198$1,090–$1,363$1,18521 (6%)+16.3%

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 07442, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home349$2,515$2,652
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		17$4,164$6,521

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).

374NFIP policies in force, any building
374insured units (condo association policies count every unit)
55%of home policies also cover contents
$38,500median contents coverage, when bought

One year on: ZIP code 07442

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 force387354−8.5%
Median annual cost$2,457$2,480+0.9%
Average annual cost$2,537$2,631+3.7%
All policies in force (any building)408374−8.3%

Flood claims history

Since 1978, NFIP policyholders in ZIP 07442 have filed 2,568 flood claims. 2,286 received a payment, for a total of $54.9 million (an average of $24,030 per paid claim). The year with the most claims was 2011 (774 claims). Amounts are in dollars of the time, not adjusted for inflation.

02004006008001978: 14 claims, 12 paid, $26,668 in total1979: 16 claims, 13 paid, $17,279 in total1980: 109 claims, 89 paid, $323,467 in total19801983: 56 claims, 44 paid, $122,094 in total1984: 353 claims, 326 paid, $4,370,073 in total19841987: 54 claims, 44 paid, $271,763 in total1989: 50 claims, 42 paid, $288,827 in total19901996: 14 claims, 12 paid, $170,233 in total1999: 271 claims, 238 paid, $4,883,878 in total20002003: 12 claims2005: 181 claims, 163 paid, $3,202,423 in total2007: 241 claims, 220 paid, $5,329,664 in total2010: 286 claims, 266 paid, $6,724,893 in total201020102011: 774 claims, 710 paid, $26,770,915 in total201120202021: 22 claims, 17 paid, $531,569 in total2023: 43 claims, 37 paid, $1,266,055 in total2024: 11 claims, 10 paid, $173,932 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 (17)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20241110$173,932$17,393
20234337$1,266,055$34,218
20212217$531,569$31,269
2011774710$26,770,915$37,706
2010286266$6,724,893$25,282
2007241220$5,329,664$24,226
2005181163$3,202,423$19,647
200312<10––
1999271238$4,883,878$20,520
19961412$170,233$14,186
19895042$288,827$6,877
19875444$271,763$6,176
1984353326$4,370,073$13,405
19835644$122,094$2,775
198010989$323,467$3,634
19791613$17,279$1,329
19781412$26,668$2,222

From 2016 to 2026: 76 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

Pompton Lakes (354 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.