Menu

Flood insurance cost · ZIP 08260 · NJ

Flood insurance cost in ZIP 08260 (North Wildwood, NJ)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 4,566 home policies in force on August 31, 2026.

ZIP code 08260 (North Wildwood, NJ)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,528a year

Half of insured homes paid between $1,164 and $2,004. That is 11% more than the Cape May County median ($1,371). Most insured homes here are rated in zone AE (97%).

$0$1,164 · $1,528 · $2,004$2,505
+7.9% vs Aug 31, 2025 (median $1,416)
4,566home policies in force
$1,648average cost (mean)
98%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 08260

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		$1,761$1,090–$3,150$2,11219 (0%)+15.4%
Zone AE
High risk		$1,545$1,166–$2,018$1,6554,450 (97%)+7.7%
Zone X
Moderate to low risk		$1,301$1,103–$1,429$1,21797 (2%)+15.0%

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 08260, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home3,487$1,548$1,678
2–4 unit building812$1,655$1,773
Condo or apartment unit263$696$835
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.		1,795$2,775$3,641
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		340$4,202$4,616

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

6,701NFIP policies in force, any building
15,462insured units (condo association policies count every unit)
51%of home policies also cover contents
$36,000median contents coverage, when bought

One year on: ZIP code 08260

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 force4,6664,566−2.1%
Median annual cost$1,416$1,528+7.9%
Average annual cost$1,536$1,648+7.3%
All policies in force (any building)6,8346,701−1.9%

Flood claims history

Since 1978, NFIP policyholders in ZIP 08260 have filed 8,825 flood claims. 7,280 received a payment, for a total of $104.7 million (an average of $14,385 per paid claim). The year with the most claims was 1992 (1,710 claims). Amounts are in dollars of the time, not adjusted for inflation.

05001k1.5k2k1979: 48 claims, 35 paid, $45,757 in total1980: 315 claims, 270 paid, $721,221 in total19801981: 19 claims, 16 paid, $34,980 in total1983: 14 claims1984: 722 claims, 578 paid, $3,154,588 in total1985: 511 claims, 426 paid, $3,229,993 in total1987: 66 claims, 52 paid, $480,038 in total1989: 26 claims, 14 paid, $258,020 in total19901991: 301 claims, 267 paid, $2,707,394 in total1992: 1,710 claims, 1,518 paid, $15,487,667 in total19921993: 40 claims, 30 paid, $450,718 in total1994: 647 claims, 535 paid, $5,028,331 in total1995: 13 claims1996: 201 claims, 163 paid, $1,510,285 in total1997: 37 claims, 28 paid, $278,946 in total1998: 1,029 claims, 831 paid, $10,381,607 in total19981999: 17 claims2000: 49 claims, 37 paid, $284,965 in total20002002: 13 claims2003: 71 claims, 44 paid, $342,742 in total2004: 15 claims2006: 25 claims, 20 paid, $271,775 in total2008: 121 claims, 85 paid, $1,074,505 in total2009: 304 claims, 248 paid, $4,253,992 in total2010: 30 claims, 16 paid, $132,895 in total20102011: 101 claims, 82 paid, $1,003,708 in total2012: 1,596 claims, 1,372 paid, $41,915,814 in total20122013: 11 claims2015: 23 claims2016: 642 claims, 525 paid, $10,764,498 in total2017: 12 claims2018: 20 claims, 16 paid, $134,425 in total2020: 10 claims2020
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 (33)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202010<10––
20182016$134,425$8,402
201712<10––
2016642525$10,764,498$20,504
201523<10––
201311<10––
20121,5961,372$41,915,814$30,551
201110182$1,003,708$12,240
20103016$132,895$8,306
2009304248$4,253,992$17,153
200812185$1,074,505$12,641
20062520$271,775$13,589
200415<10––
20037144$342,742$7,790
200213<10––
20004937$284,965$7,702
199917<10––
19981,029831$10,381,607$12,493
19973728$278,946$9,962
1996201163$1,510,285$9,266
199513<10––
1994647535$5,028,331$9,399
19934030$450,718$15,024
19921,7101,518$15,487,667$10,203
1991301267$2,707,394$10,140
19892614$258,020$18,430
19876652$480,038$9,232
1985511426$3,229,993$7,582
1984722578$3,154,588$5,458
198314<10––
19811916$34,980$2,186
1980315270$721,221$2,671
19794835$45,757$1,307

From 2016 to 2026: 684 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

North Wildwood (1,630 home policies) · Wildwood Crest (1,268 home policies) · Wildwood (1,080 home policies) · West Wildwood (357 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.