Flood insurance cost · ZIP 08735 · NJ

Flood insurance cost in ZIP 08735 (Toms River, NJ)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 3,144 home policies in force on August 31, 2026.

ZIP code 08735 (Toms River, 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 $1,077 and $1,946. That is 4% more than the Ocean County median ($1,305). Most insured homes here are rated in zone AE (74%).

$0$1,077 · $1,355 · $1,946$2,432

+13.4% vs Aug 31, 2025 (median $1,195)

3,144home policies in force

$1,660average cost (mean)

94%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 08735

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 zone	Median	Middle half (25th–75th percentile)	Average	Policies	vs last year
Zone VE / V High risk, coastal	$1,242	$988–$1,553	$1,337	143 (5%)	+5.8%
Zone AE High risk	$1,344	$1,034–$2,039	$1,685	2,327 (74%)	+14.3%
Zone AO High risk, shallow	$1,442	$1,211–$2,061	$1,734	473 (15%)	+13.7%
Zone X Moderate to low risk	$1,335	$1,305–$1,492	$1,429	201 (6%)	+15.3%

Not shown (fewer than 10 home policies): A, 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 08735, by what they insure.

Type of building	Policies	Median	Average
Single-family home	2,968	$1,346	$1,654
2–4 unit building	110	$1,808	$2,133
Condo or apartment unit	66	$1,059	$1,140
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.	82	$3,388	$4,354
Non-residential building or unit Businesses, churches, farm buildings and other non-residential property.	50	$4,072	$5,430

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

3,276NFIP policies in force, any building

3,561insured units (condo association policies count every unit)

73%of home policies also cover contents

$72,000median contents coverage, when bought

One year on: ZIP code 08735

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, 2025	Aug 31, 2026	Change
Home policies in force	3,253	3,144	−3.4%
Median annual cost	$1,195	$1,355	+13.4%
Average annual cost	$1,486	$1,660	+11.7%
All policies in force (any building)	3,387	3,276	−3.3%

Flood claims history

Since 1978, NFIP policyholders in ZIP 08735 have filed 4,430 flood claims. 3,964 received a payment, for a total of $264.0 million (an average of $66,590 per paid claim). The year with the most claims was 2012 (3,448 claims). Amounts are in dollars of the time, not adjusted for inflation.

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 (17)

Swipe the table sideways to see all columns.

Year of loss	Claims	Paid claims	Total paid	Average per paid claim
2014	14	10	$80,838	$8,084
2012	3,448	3,206	$252,825,766	$78,860
2011	271	236	$6,325,196	$26,802
2010	20	11	$140,596	$12,781
2009	10	<10	–	–
2007	12	<10	–	–
2006	33	30	$419,375	$13,979
2005	38	37	$552,062	$14,921
2000	46	41	$327,716	$7,993
1998	19	12	$33,588	$2,799
1996	12	10	$114,548	$11,455
1995	18	10	$45,248	$4,525
1993	20	<10	–	–
1992	300	247	$2,525,859	$10,226
1991	31	25	$85,846	$3,434
1985	11	<10	–	–
1984	27	12	$17,037	$1,420

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

Toms River (1,704 home policies) · Lavallette (1,425 home policies) · Brick (10 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.