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Flood insurance cost · ZIP 08202 · NJ

Flood insurance cost in ZIP 08202 (Avalon, NJ)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 2,760 home policies in force on August 31, 2026.

ZIP code 08202 (Avalon, NJ)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,308a year

Half of insured homes paid between $1,060 and $1,665. That is 5% less than the Cape May County median ($1,371). Most insured homes here are rated in zone AE (95%).

$0$1,060 · $1,308 · $1,665$2,081
+13.1% vs Aug 31, 2025 (median $1,157)
2,760home policies in force
$1,437average cost (mean)
95%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 08202

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		$1,283$1,044–$1,688$1,4372,611 (95%)+12.2%
Zone X
Moderate to low risk		$1,452$1,308–$1,494$1,422140 (5%)+13.4%

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 08202, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home2,534$1,334$1,480
2–4 unit building63$1,381$1,401
Condo or apartment unit163$622$790
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.		472$2,215$2,692
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		64$3,630$3,931

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

3,296NFIP policies in force, any building
4,382insured units (condo association policies count every unit)
88%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 08202

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 force2,8542,760−3.3%
Median annual cost$1,157$1,308+13.1%
Average annual cost$1,302$1,437+10.4%
All policies in force (any building)3,4023,296−3.1%

Flood claims history

Since 1978, NFIP policyholders in ZIP 08202 have filed 2,366 flood claims. 1,825 received a payment, for a total of $28.7 million (an average of $15,727 per paid claim). The year with the most claims was 2012 (928 claims). Amounts are in dollars of the time, not adjusted for inflation.

02505007501k1979: 15 claims, 11 paid, $14,672 in total1980: 51 claims, 41 paid, $74,701 in total19801984: 176 claims, 123 paid, $571,971 in total1985: 202 claims, 166 paid, $1,039,191 in total19851986: 24 claims, 15 paid, $97,785 in total1987: 74 claims, 44 paid, $185,559 in total19901991: 26 claims, 19 paid, $90,558 in total1992: 307 claims, 251 paid, $2,827,993 in total19921994: 122 claims, 96 paid, $651,911 in total1996: 27 claims, 17 paid, $126,033 in total1998: 179 claims, 131 paid, $1,963,074 in total20002009: 49 claims, 37 paid, $466,554 in total20102012: 928 claims, 760 paid, $18,008,578 in total20122016: 94 claims, 65 paid, $2,213,502 in total2020
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 (14)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20169465$2,213,502$34,054
2012928760$18,008,578$23,695
20094937$466,554$12,610
1998179131$1,963,074$14,985
19962717$126,033$7,414
199412296$651,911$6,791
1992307251$2,827,993$11,267
19912619$90,558$4,766
19877444$185,559$4,217
19862415$97,785$6,519
1985202166$1,039,191$6,260
1984176123$571,971$4,650
19805141$74,701$1,822
19791511$14,672$1,334

From 2016 to 2026: 94 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

Avalon (2,656 home policies) · Middle (104 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.