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Flood insurance cost · ZIP 08087 · NJ

Flood insurance cost in ZIP 08087 (Little Egg Harbor, NJ)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 2,218 home policies in force on August 31, 2026.

ZIP code 08087 (Little Egg Harbor, NJ)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,009a year

Half of insured homes paid between $789 and $1,287. That is 23% less than the Ocean County median ($1,305). Most insured homes here are rated in zone AE (96%).

$0$789 · $1,009 · $1,287$1,609
+8.0% vs Aug 31, 2025 (median $934)
2,218home policies in force
$1,075average cost (mean)
96%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 08087

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		$1,020$792–$1,292$1,0832,140 (96%)+8.7%
Zone X
Moderate to low risk		$852$633–$1,083$86778 (4%)−1.0%

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 08087, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home2,211$1,009$1,075
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		21$1,606$2,479

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).

2,247NFIP policies in force, any building
2,286insured units (condo association policies count every unit)
66%of home policies also cover contents
$50,000median contents coverage, when bought

One year on: ZIP code 08087

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 force2,3042,218−3.7%
Median annual cost$934$1,009+8.0%
Average annual cost$1,004$1,075+7.1%
All policies in force (any building)2,3362,247−3.8%

Flood claims history

Since 1978, NFIP policyholders in ZIP 08087 have filed 5,368 flood claims. 4,834 received a payment, for a total of $250.3 million (an average of $51,772 per paid claim). The year with the most claims was 2012 (3,176 claims). Amounts are in dollars of the time, not adjusted for inflation.

01k2k3k4k1980: 80 claims, 68 paid, $149,741 in total19801984: 238 claims, 181 paid, $875,202 in total19841985: 69 claims, 47 paid, $133,508 in total1987: 16 claims, 12 paid, $16,079 in total1989: 15 claims, 12 paid, $35,160 in total19901991: 70 claims, 49 paid, $321,519 in total1992: 1,087 claims, 967 paid, $16,388,830 in total19921993: 28 claims, 14 paid, $77,072 in total1994: 46 claims, 32 paid, $249,062 in total1996: 22 claims, 14 paid, $154,202 in total1997: 160 claims, 139 paid, $1,041,235 in total1998: 78 claims, 53 paid, $444,308 in total1999: 21 claims, 11 paid, $541,137 in total2000: 24 claims, 17 paid, $136,663 in total20002003: 14 claims2005: 14 claims, 11 paid, $161,967 in total2008: 20 claims, 16 paid, $168,873 in total2009: 35 claims, 25 paid, $296,097 in total2010: 29 claims, 14 paid, $69,611 in total20102011: 32 claims, 16 paid, $96,120 in total2012: 3,176 claims, 3,094 paid, $228,384,387 in total20122020
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 (21)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20123,1763,094$228,384,387$73,815
20113216$96,120$6,008
20102914$69,611$4,972
20093525$296,097$11,844
20082016$168,873$10,555
20051411$161,967$14,724
200314<10––
20002417$136,663$8,039
19992111$541,137$49,194
19987853$444,308$8,383
1997160139$1,041,235$7,491
19962214$154,202$11,014
19944632$249,062$7,783
19932814$77,072$5,505
19921,087967$16,388,830$16,948
19917049$321,519$6,562
19891512$35,160$2,930
19871612$16,079$1,340
19856947$133,508$2,841
1984238181$875,202$4,835
19808068$149,741$2,202

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 Egg Harbor (1,859 home policies) · Tuckerton (328 home policies) · Bass River (31 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.