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Flood insurance cost · ZIP 08753 · NJ

Flood insurance cost in ZIP 08753 (Toms River, NJ)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 3,154 home policies in force on August 31, 2026.

ZIP code 08753 (Toms River, NJ)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,294a year

Half of insured homes paid between $984 and $1,851. That is about the same as the Ocean County median ($1,305). Most insured homes here are rated in zone AE (94%).

$0$984 · $1,294 · $1,851$2,314
+12.4% vs Aug 31, 2025 (median $1,151)
3,154home policies in force
$1,536average cost (mean)
95%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 08753

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		$1,315$984–$1,886$1,5582,976 (94%)+12.8%
Zone X
Moderate to low risk		$1,205$1,001–$1,309$1,172173 (5%)+14.4%

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 08753, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home3,117$1,296$1,538
2–4 unit building19$1,616$1,986
Condo or apartment unit18$634$650
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.		20$4,462$5,156
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		51$2,787$3,277

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

3,225NFIP policies in force, any building
3,412insured units (condo association policies count every unit)
63%of home policies also cover contents
$72,000median contents coverage, when bought

One year on: ZIP code 08753

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 force3,3673,154−6.3%
Median annual cost$1,151$1,294+12.4%
Average annual cost$1,388$1,536+10.7%
All policies in force (any building)3,4613,225−6.8%

Flood claims history

Since 1978, NFIP policyholders in ZIP 08753 have filed 4,912 flood claims. 4,336 received a payment, for a total of $295.8 million (an average of $68,215 per paid claim). The year with the most claims was 2012 (3,840 claims). Amounts are in dollars of the time, not adjusted for inflation.

01k2k3k4k1979: 17 claims19801984: 25 claims, 14 paid, $52,478 in total1987: 14 claims19901991: 46 claims, 27 paid, $86,750 in total1992: 432 claims, 312 paid, $2,598,447 in total19921993: 21 claims, 10 paid, $58,780 in total1996: 15 claims1997: 10 claims1998: 41 claims, 20 paid, $51,980 in total1999: 11 claims2000: 11 claims20002003: 15 claims2005: 36 claims, 29 paid, $397,987 in total2006: 22 claims, 10 paid, $131,645 in total2010: 33 claims, 16 paid, $209,669 in total20102011: 144 claims, 91 paid, $2,044,616 in total20112012: 3,840 claims, 3,703 paid, $289,391,259 in total201220202021: 20 claims2024: 10 claims
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 (19)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202410<10––
202120<10––
20123,8403,703$289,391,259$78,150
201114491$2,044,616$22,468
20103316$209,669$13,104
20062210$131,645$13,164
20053629$397,987$13,724
200315<10––
200011<10––
199911<10––
19984120$51,980$2,599
199710<10––
199615<10––
19932110$58,780$5,878
1992432312$2,598,447$8,328
19914627$86,750$3,213
198714<10––
19842514$52,478$3,748
197917<10––

From 2016 to 2026: 30 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

Toms River (3,142 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.