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Flood insurance cost · ZIP 08226 · NJ

Flood insurance cost in ZIP 08226 (Ocean City, NJ)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 4,555 home policies in force on August 31, 2026.

ZIP code 08226 (Ocean City, NJ)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,355a year

Half of insured homes paid between $1,008 and $1,928. That is about the same as the Cape May County median ($1,371). Most insured homes here are rated in zone AE (95%).

$0$1,008 · $1,355 · $1,928$2,410
+13.0% vs Aug 31, 2025 (median $1,199)
4,555home policies in force
$1,532average 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 08226

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		$1,130$952–$2,264$1,55813 (0%)+12.7%
Zone AE
High risk		$1,358$1,005–$1,970$1,5444,342 (95%)+13.2%
Zone X
Moderate to low risk		$1,311$1,084–$1,491$1,283200 (4%)+13.4%

Not shown (fewer than 10 home policies): 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 08226, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home3,410$1,398$1,594
2–4 unit building796$1,454$1,615
Condo or apartment unit349$625$738
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.		3,555$1,734$2,299
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		221$3,068$3,895

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

8,331NFIP policies in force, any building
14,381insured units (condo association policies count every unit)
81%of home policies also cover contents
$92,000median contents coverage, when bought

One year on: ZIP code 08226

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 force4,7714,555−4.5%
Median annual cost$1,199$1,355+13.0%
Average annual cost$1,398$1,532+9.6%
All policies in force (any building)8,6148,331−3.3%

Flood claims history

Since 1978, NFIP policyholders in ZIP 08226 have filed 9,482 flood claims. 7,790 received a payment, for a total of $189.6 million (an average of $24,338 per paid claim). The year with the most claims was 2012 (5,364 claims). Amounts are in dollars of the time, not adjusted for inflation.

02k4k6k8k1979: 19 claims, 10 paid, $10,361 in total1980: 56 claims, 37 paid, $74,133 in total19801984: 534 claims, 355 paid, $1,749,296 in total19841985: 337 claims, 241 paid, $1,088,579 in total1987: 24 claims, 17 paid, $116,923 in total1989: 20 claims19901991: 117 claims, 78 paid, $656,342 in total1992: 1,755 claims, 1,470 paid, $12,829,300 in total19921993: 41 claims, 26 paid, $211,126 in total1994: 214 claims, 163 paid, $763,624 in total1996: 41 claims, 29 paid, $137,547 in total1997: 10 claims1998: 339 claims, 249 paid, $1,819,761 in total2000: 19 claims20002003: 13 claims2008: 26 claims, 21 paid, $247,025 in total2009: 129 claims, 100 paid, $1,476,475 in total2010: 15 claims20102011: 48 claims, 31 paid, $284,402 in total2012: 5,364 claims, 4,719 paid, $163,379,777 in total20122016: 222 claims, 158 paid, $4,067,436 in total2018: 15 claims, 10 paid, $72,715 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 (22)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20181510$72,715$7,272
2016222158$4,067,436$25,743
20125,3644,719$163,379,777$34,622
20114831$284,402$9,174
201015<10––
2009129100$1,476,475$14,765
20082621$247,025$11,763
200313<10––
200019<10––
1998339249$1,819,761$7,308
199710<10––
19964129$137,547$4,743
1994214163$763,624$4,685
19934126$211,126$8,120
19921,7551,470$12,829,300$8,727
199111778$656,342$8,415
198920<10––
19872417$116,923$6,878
1985337241$1,088,579$4,517
1984534355$1,749,296$4,928
19805637$74,133$2,004
19791910$10,361$1,036

From 2016 to 2026: 237 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

Ocean City (4,553 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.