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Flood insurance cost · ZIP 07740 · NJ

Flood insurance cost in ZIP 07740 (Long Branch, NJ)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 646 home policies in force on August 31, 2026.

ZIP code 07740 (Long Branch, NJ)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,214a year

Half of insured homes paid between $867 and $1,585. That is about the same as the Monmouth County median ($1,213). Most insured homes here are rated in zone AE (56%).

$0$867 · $1,214 · $1,585$1,981
+10.3% vs Aug 31, 2025 (median $1,101)
646home policies in force
$1,304average cost (mean)
56%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 07740

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		$1,422$1,010–$1,863$1,499364 (56%)+10.7%
Zone X
Moderate to low risk		$1,116$763–$1,308$1,053282 (44%)+8.7%

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 07740, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home482$1,260$1,390
2–4 unit building47$1,496$1,663
Condo or apartment unit117$696$806
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.		125$5,251$6,224
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		84$2,766$4,638

Not shown (fewer than 10 policies): manufactured (mobile) home.

855NFIP policies in force, any building
2,007insured units (condo association policies count every unit)
82%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 07740

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 force678646−4.7%
Median annual cost$1,101$1,214+10.3%
Average annual cost$1,201$1,304+8.6%
All policies in force (any building)898855−4.8%

Flood claims history

Since 1978, NFIP policyholders in ZIP 07740 have filed 1,394 flood claims. 1,120 received a payment, for a total of $54.4 million (an average of $48,542 per paid claim). The year with the most claims was 2012 (739 claims). Amounts are in dollars of the time, not adjusted for inflation.

020040060080019801984: 69 claims, 41 paid, $174,290 in total19841985: 11 claims, 11 paid, $46,479 in total19901991: 18 claims, 15 paid, $105,437 in total1992: 263 claims, 211 paid, $3,884,765 in total19921996: 11 claims1998: 17 claims20002002: 18 claims, 13 paid, $190,195 in total2005: 17 claims, 12 paid, $89,737 in total2010: 28 claims, 21 paid, $283,290 in total20102011: 66 claims, 45 paid, $804,872 in total2012: 739 claims, 672 paid, $47,804,244 in total201220202023: 13 claims, 13 paid, $125,943 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 (12)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20231313$125,943$9,688
2012739672$47,804,244$71,137
20116645$804,872$17,886
20102821$283,290$13,490
20051712$89,737$7,478
20021813$190,195$14,630
199817<10––
199611<10––
1992263211$3,884,765$18,411
19911815$105,437$7,029
19851111$46,479$4,225
19846941$174,290$4,251

From 2016 to 2026: 13 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

Long Branch (644 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.