Menu

Flood insurance cost · ZIP 08401 · NJ

Flood insurance cost in ZIP 08401 (Atlantic City, NJ)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,709 home policies in force on August 31, 2026.

ZIP code 08401 (Atlantic City, NJ)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,481a year

Half of insured homes paid between $1,142 and $1,927. That is 5% more than the Atlantic County median ($1,411). Most insured homes here are rated in zone AE (97%).

$0$1,142 · $1,481 · $1,927$2,409
+6.8% vs Aug 31, 2025 (median $1,387)
1,709home policies in force
$1,568average cost (mean)
97%of insured homes in high-risk zones (A, V)
$200,000median 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 08401

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		$1,488$1,135–$1,934$1,5711,662 (97%)+6.9%
Zone X
Moderate to low risk		$1,403$1,218–$1,613$1,48147 (3%)+11.9%

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 08401, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,293$1,444$1,530
2–4 unit building364$1,730$1,797
Condo or apartment unit52$868$918
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.		277$4,735$8,297
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		244$4,882$5,251

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

2,230NFIP policies in force, any building
6,179insured units (condo association policies count every unit)
39%of home policies also cover contents
$25,000median contents coverage, when bought

One year on: ZIP code 08401

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 force1,8091,709−5.5%
Median annual cost$1,387$1,481+6.8%
Average annual cost$1,475$1,568+6.3%
All policies in force (any building)2,3672,230−5.8%

Flood claims history

Since 1978, NFIP policyholders in ZIP 08401 have filed 5,943 flood claims. 5,052 received a payment, for a total of $121.0 million (an average of $23,947 per paid claim). The year with the most claims was 2012 (3,003 claims). Amounts are in dollars of the time, not adjusted for inflation.

01k2k3k4k1978: 11 claims1979: 64 claims, 42 paid, $109,514 in total1980: 62 claims, 50 paid, $195,431 in total19801984: 382 claims, 300 paid, $1,597,172 in total19841985: 361 claims, 274 paid, $1,425,032 in total1987: 50 claims, 38 paid, $153,135 in total19901991: 78 claims, 59 paid, $442,659 in total1992: 1,128 claims, 999 paid, $8,964,730 in total19921993: 21 claims, 12 paid, $75,846 in total1994: 144 claims, 119 paid, $642,658 in total1996: 24 claims, 13 paid, $116,506 in total1997: 30 claims, 19 paid, $144,430 in total1998: 145 claims, 102 paid, $737,826 in total20002002: 13 claims2003: 12 claims2008: 11 claims2009: 57 claims, 42 paid, $467,457 in total2010: 25 claims, 12 paid, $349,752 in total20102011: 38 claims, 20 paid, $140,096 in total2012: 3,003 claims, 2,763 paid, $103,174,036 in total20122016: 83 claims, 61 paid, $904,954 in total2018: 39 claims, 27 paid, $407,386 in total20202025: 29 claims, 22 paid, $358,215 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 (23)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20252922$358,215$16,282
20183927$407,386$15,088
20168361$904,954$14,835
20123,0032,763$103,174,036$37,341
20113820$140,096$7,005
20102512$349,752$29,146
20095742$467,457$11,130
200811<10––
200312<10––
200213<10––
1998145102$737,826$7,234
19973019$144,430$7,602
19962413$116,506$8,962
1994144119$642,658$5,400
19932112$75,846$6,320
19921,128999$8,964,730$8,974
19917859$442,659$7,503
19875038$153,135$4,030
1985361274$1,425,032$5,201
1984382300$1,597,172$5,324
19806250$195,431$3,909
19796442$109,514$2,607
197811<10––

From 2016 to 2026: 151 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

Atlantic City (1,706 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.