Flood insurance cost · ZIP 08742 · NJ

Flood insurance cost in ZIP 08742 (Point Pleasant, NJ)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 3,079 home policies in force on August 31, 2026.

ZIP code 08742 (Point Pleasant, NJ)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,307a year

Half of insured homes paid between $1,027 and $1,730. That is about the same as the Ocean County median ($1,305). Most insured homes here are rated in zone AE (76%).

$0$1,027 · $1,307 · $1,730$2,162

+11.1% vs Aug 31, 2025 (median $1,176)

3,079home policies in force

$1,495average cost (mean)

89%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 08742

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	$1,391	$1,126–$1,876	$1,538	98 (3%)	+5.9%
Zone AE High risk	$1,284	$990–$1,715	$1,448	2,348 (76%)	+10.6%
Zone AO High risk, shallow	$1,784	$1,274–$2,715	$2,058	297 (10%)	+5.9%
Zone X Moderate to low risk	$1,265	$1,134–$1,450	$1,317	335 (11%)	+15.8%

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 08742, by what they insure.

Type of building	Policies	Median	Average
Single-family home	2,938	$1,309	$1,507
2–4 unit building	58	$1,572	$1,643
Condo or apartment unit	83	$821	$961
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.	102	$4,542	$5,024
Non-residential building or unit Businesses, churches, farm buildings and other non-residential property.	146	$3,792	$4,810

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

3,327NFIP policies in force, any building

3,895insured units (condo association policies count every unit)

71%of home policies also cover contents

$100,000median contents coverage, when bought

One year on: ZIP code 08742

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	3,156	3,079	−2.4%
Median annual cost	$1,176	$1,307	+11.1%
Average annual cost	$1,365	$1,495	+9.5%
All policies in force (any building)	3,411	3,327	−2.5%

Flood claims history

Since 1978, NFIP policyholders in ZIP 08742 have filed 4,081 flood claims. 3,581 received a payment, for a total of $239.9 million (an average of $66,985 per paid claim). The year with the most claims was 2012 (2,984 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 (15)

Swipe the table sideways to see all columns.

Year of loss	Claims	Paid claims	Total paid	Average per paid claim
2014	12	<10	–	–
2012	2,984	2,829	$230,809,684	$81,587
2011	200	150	$3,031,082	$20,207
2010	20	11	$73,062	$6,642
2005	31	24	$169,109	$7,046
1998	27	12	$20,260	$1,688
1993	39	19	$141,683	$7,457
1992	496	381	$4,670,048	$12,257
1991	11	<10	–	–
1987	12	<10	–	–
1985	21	14	$88,849	$6,346
1984	69	33	$259,895	$7,876
1980	11	<10	–	–
1979	21	17	$35,774	$2,104
1978	29	20	$138,165	$6,908

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

Point Pleasant (1,266 home policies) · Point Pleasant Beach (1,191 home policies) · Bay Head (620 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.