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Flood insurance cost · ZIP 08008 · NJ

Flood insurance cost in ZIP 08008 (Long Beach, NJ)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 8,669 home policies in force on August 31, 2026.

ZIP code 08008 (Long Beach, NJ)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,394a year

Half of insured homes paid between $1,140 and $1,989. That is 7% more than the Ocean County median ($1,305). Most insured homes here are rated in zone AE (84%).

$0$1,140 · $1,394 · $1,989$2,486
+12.0% vs Aug 31, 2025 (median $1,245)
8,669home policies in force
$1,688average cost (mean)
100%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 08008

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 VE / V
High risk, coastal		$1,206$1,002–$1,493$1,316570 (7%)+5.4%
Zone AE
High risk		$1,439$1,150–$2,098$1,7437,248 (84%)+12.6%
Zone AO
High risk, shallow		$1,322$1,147–$1,590$1,466842 (10%)+11.7%

Not shown (fewer than 10 home policies): A, AH, A99/AR, X, 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 08008, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home7,713$1,389$1,674
2–4 unit building782$1,786$1,997
Condo or apartment unit173$791$912
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.		330$2,551$3,283
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		275$3,942$5,059

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

9,274NFIP policies in force, any building
10,117insured units (condo association policies count every unit)
85%of home policies also cover contents
$87,000median contents coverage, when bought

One year on: ZIP code 08008

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 force9,0208,669−3.9%
Median annual cost$1,245$1,394+12.0%
Average annual cost$1,537$1,688+9.8%
All policies in force (any building)9,6519,274−3.9%

Flood claims history

Since 1978, NFIP policyholders in ZIP 08008 have filed 14,178 flood claims. 11,588 received a payment, for a total of $434.2 million (an average of $37,473 per paid claim). The year with the most claims was 2012 (9,902 claims). Amounts are in dollars of the time, not adjusted for inflation.

02.5k5k7.5k10k1978: 10 claims1979: 19 claims19801984: 349 claims, 249 paid, $938,811 in total19841985: 229 claims, 132 paid, $427,460 in total1987: 33 claims, 19 paid, $53,531 in total19901991: 320 claims, 205 paid, $1,169,738 in total1992: 2,479 claims, 1,947 paid, $21,328,907 in total19921993: 53 claims, 25 paid, $90,480 in total1994: 12 claims1996: 39 claims, 23 paid, $184,768 in total1997: 58 claims, 36 paid, $280,020 in total1998: 81 claims, 50 paid, $399,665 in total1999: 22 claims20002002: 12 claims2003: 24 claims, 14 paid, $198,391 in total2005: 46 claims, 38 paid, $912,774 in total2006: 28 claims, 18 paid, $175,230 in total2007: 17 claims2009: 51 claims, 42 paid, $711,419 in total2010: 43 claims, 25 paid, $206,125 in total20102011: 45 claims, 19 paid, $155,217 in total2012: 9,902 claims, 8,548 paid, $404,540,759 in total20122013: 12 claims2014: 20 claims, 13 paid, $138,025 in total2016: 46 claims, 33 paid, $709,953 in total2017: 32 claims, 23 paid, $459,224 in total2018: 22 claims, 10 paid, $50,592 in total2019: 13 claims20202021: 32 claims, 16 paid, $283,811 in total2022: 17 claims2025: 31 claims, 26 paid, $306,764 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 (31)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20253126$306,764$11,799
202217<10––
20213216$283,811$17,738
201913<10––
20182210$50,592$5,059
20173223$459,224$19,966
20164633$709,953$21,514
20142013$138,025$10,617
201312<10––
20129,9028,548$404,540,759$47,326
20114519$155,217$8,169
20104325$206,125$8,245
20095142$711,419$16,939
200717<10––
20062818$175,230$9,735
20054638$912,774$24,020
20032414$198,391$14,171
200212<10––
199922<10––
19988150$399,665$7,993
19975836$280,020$7,778
19963923$184,768$8,033
199412<10––
19935325$90,480$3,619
19922,4791,947$21,328,907$10,955
1991320205$1,169,738$5,706
19873319$53,531$2,817
1985229132$427,460$3,238
1984349249$938,811$3,770
197919<10––
197810<10––

From 2016 to 2026: 193 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 Beach (4,687 home policies) · Surf City (1,180 home policies) · Beach Haven (1,112 home policies) · Ship Bottom (973 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.