Flood insurance cost · ZIP 07758 · NJ

Flood insurance cost in ZIP 07758 (Middletown, NJ)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 600 home policies in force on August 31, 2026.

ZIP code 07758 (Middletown, NJ)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,138a year

Half of insured homes paid between $878 and $1,487. That is 6% less than the Monmouth County median ($1,213). Most insured homes here are rated in zone AE (94%).

$0$878 · $1,138 · $1,487$1,859

+9.0% vs Aug 31, 2025 (median $1,044)

600home policies in force

$1,234average 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 07758

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 zone	Median	Middle half (25th–75th percentile)	Average	Policies	vs last year
Zone AE High risk	$1,144	$897–$1,498	$1,257	564 (94%)	+8.3%
Zone X Moderate to low risk	$816	$552–$1,267	$876	36 (6%)	−1.2%

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 07758, by what they insure.

Type of building	Policies	Median	Average
Single-family home	567	$1,142	$1,248
Condo or apartment unit	25	$682	$767
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.	23	$4,577	$4,489
Non-residential building or unit Businesses, churches, farm buildings and other non-residential property.	14	$3,959	$6,019

Not shown (fewer than 10 policies): 2–4 unit building, manufactured (mobile) home.

637NFIP policies in force, any building

758insured units (condo association policies count every unit)

57%of home policies also cover contents

$50,000median contents coverage, when bought

One year on: ZIP code 07758

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, 2025	Aug 31, 2026	Change
Home policies in force	621	600	−3.4%
Median annual cost	$1,044	$1,138	+9.0%
Average annual cost	$1,133	$1,234	+8.9%
All policies in force (any building)	659	637	−3.3%

Flood claims history

Since 1978, NFIP policyholders in ZIP 07758 have filed 998 flood claims. 897 received a payment, for a total of $40.2 million (an average of $44,805 per paid claim). The year with the most claims was 2012 (591 claims). Amounts are in dollars of the time, not adjusted for inflation.

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 (6)

Swipe the table sideways to see all columns.

Year of loss	Claims	Paid claims	Total paid	Average per paid claim
2012	591	564	$36,887,638	$65,404
2011	117	98	$1,135,694	$11,589
2010	41	33	$310,228	$9,401
1996	22	20	$91,413	$4,571
1992	151	139	$1,615,636	$11,623
1984	14	<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

Middletown (600 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.