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Flood insurance cost · ZIP 08751 · NJ

Flood insurance cost in ZIP 08751 (Toms River, NJ)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,608 home policies in force on August 31, 2026.

ZIP code 08751 (Toms River, NJ)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,328a year

Half of insured homes paid between $1,006 and $2,154. That is about the same as the Ocean County median ($1,305). Most insured homes here are rated in zone AE (96%).

$0$1,006 · $1,328 · $2,154$2,692
+12.5% vs Aug 31, 2025 (median $1,180)
1,608home policies in force
$1,681average cost (mean)
97%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 08751

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		$1,209$779–$1,638$1,38318 (1%)−3.7%
Zone AE
High risk		$1,324$996–$2,195$1,6861,544 (96%)+12.8%
Zone X
Moderate to low risk		$1,444$1,308–$1,598$1,61544 (3%)+15.1%

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 08751, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,312$1,308$1,653
2–4 unit building187$2,239$2,243
Condo or apartment unit109$917$1,054
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.		184$4,002$5,202
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		74$4,598$5,807

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

1,866NFIP policies in force, any building
2,835insured units (condo association policies count every unit)
62%of home policies also cover contents
$53,000median contents coverage, when bought

One year on: ZIP code 08751

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 force1,6461,608−2.3%
Median annual cost$1,180$1,328+12.5%
Average annual cost$1,525$1,681+10.2%
All policies in force (any building)1,9041,866−2.0%

Flood claims history

Since 1978, NFIP policyholders in ZIP 08751 have filed 2,777 flood claims. 2,470 received a payment, for a total of $215.2 million (an average of $87,145 per paid claim). The year with the most claims was 2012 (2,094 claims). Amounts are in dollars of the time, not adjusted for inflation.

01k2k3k4k19801984: 36 claims, 16 paid, $101,571 in total19901991: 32 claims, 23 paid, $160,139 in total1992: 225 claims, 179 paid, $2,151,848 in total19921993: 19 claims1998: 12 claims2000: 19 claims, 15 paid, $140,708 in total20002005: 46 claims, 40 paid, $858,922 in total2006: 54 claims, 52 paid, $894,984 in total2010: 23 claims, 16 paid, $219,365 in total20102011: 93 claims, 74 paid, $1,720,202 in total20112012: 2,094 claims, 1,974 paid, $208,401,629 in total20122014: 20 claims, 11 paid, $183,059 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 (12)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20142011$183,059$16,642
20122,0941,974$208,401,629$105,573
20119374$1,720,202$23,246
20102316$219,365$13,710
20065452$894,984$17,211
20054640$858,922$21,473
20001915$140,708$9,381
199812<10––
199319<10––
1992225179$2,151,848$12,021
19913223$160,139$6,963
19843616$101,571$6,348

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 (1,091 home policies) · Seaside Heights (457 home policies) · Berkeley (53 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.