New Jersey
flood insurance data

NFIP premiums in New Jersey

NFIP premiums: what NFIP policyholders paid, not a quote. Across 110,887 policies (policies effective 2025; occupancy: residential (occupancyType 1,2,3,11,12,13,14); amount: FEMA field policyCost), the median is $1,260, and half of them fall between $976 (Q1) and $1,820 (Q3).

Of the 6 zones listed (AE, X, AO, VE, A, AH), zone AH has the highest median premium ($1,829) and zone A the lowest ($1,079). Coastal high-hazard zone VE is listed, with 1,409 policies. With 110,887 residential NFIP policies effective 2025, New Jersey has the 7th most of 53 States and territories. Inside the Special Flood Hazard Area (SFHA), the median premium in New Jersey is $1,353, 24.8% higher than outside it ($1,084); most of its zoned policies sit inside the SFHA (83.3%). The median NFIP premium in New Jersey, $1,260, is 19.4% above the national median ($1,055); it is the 6th highest of 53 States and territories.

By flood zone

Policies in force by year

Base of each count: the yearly figures are FEMA API counts of residential policy terms, every premium included; the median and quartiles rest on the policies effective 2025 with a positive policyCost. For 2025 both bases count 110,887 policies.

NFIP paid building claims in New Jersey

NFIP claims: amounts paid, not repair cost. Window: year of loss 2015-2024; 10,533 paid claims; median $16,375, half of them between $6,502 (Q1) and $38,472 (Q3), in nominal dollars. Median in 2024 dollars (CPI-U): $18,948, a monetary adjustment, not today’s cost of repair.

With 10,533 paid claims (year of loss 2015-2024), New Jersey has the 6th most of 53 States and territories.

Paid claims by year of loss

FEMA disaster declarations

Since 2000: 24 flood, hurricane and severe-storm declarations (DR and EM) covering New Jersey, 20 of them major disaster declarations.

Latest declarations

• DR-4725: SEVERE STORM AND FLOODING (Severe Storm, 2023-08-11)
• DR-4614: REMNANTS OF HURRICANE IDA (Hurricane, 2021-09-05)
• EM-3573: REMNANTS OF HURRICANE IDA (Hurricane, 2021-09-02)
• DR-4574: TROPICAL STORM ISAIAS (Hurricane, 2020-12-11)
• DR-4368: SEVERE WINTER STORM AND SNOWSTORM (Severe Storm, 2018-06-08)

FEMA assistance to homeowners

Since 2002: 204,593 owner registrations inspected by FEMA in New Jersey after disasters of every declared type; inspected damage is FEMA’s assessment for its assistance program, not repair cost.

Of the 204,593 owner registrations FEMA inspected in New Jersey after disasters of every declared type, 4.3% show more than $30,000 of FEMA-inspected damage, against 2.6% nationally. The disaster with the most inspections is DR-4086, HURRICANE SANDY (declared 2012-10-30), with 69,346.

Disasters with the most inspections

• DR-4086, HURRICANE SANDY (declared 2012-10-30): 69,346 inspections
• DR-4021, HURRICANE IRENE (declared 2011-08-31): 60,103 inspections
• DR-4614, REMNANTS OF HURRICANE IDA (declared 2021-09-05): 46,259 inspections
• DR-1694, SEVERE STORMS AND INLAND AND COASTAL FLOODING (declared 2007-04-26): 12,535 inspections
• DR-1897, SEVERE STORMS AND FLOODING (declared 2010-04-02): 10,300 inspections

NFIP communities and flood maps

FEMA’s Community Status Book lists 560 NFIP communities in New Jersey: 554 participate in the NFIP and 109 (19.5%) are classed in the Community Rating System (CRS). The best class among the communities counted here is 3 (Avalon, Borough of and Sea Isle City, City of): FEMA applies its CRS discount to the full-risk premium of Regular Program NFIP policies in those communities, inside or outside the SFHA, not to the whole state; a policy can be excluded if its building does not comply with local floodplain rules. The oldest flood map still in effect in New Jersey dates from 1974-05-03 (Kinnelon, Borough of). 6 of these communities do not participate in the NFIP; 6 carry a sanction, 1 coded as a suspension and 0 as a withdrawal.

Questions about flood insurance in New Jersey

How much is flood insurance in New Jersey?

NFIP policyholders in New Jersey paid a median of $1,260 for residential policies effective 2025 (110,887 policies; FEMA field policyCost: premium, reserve fund assessment, federal policy fee and HFIAA surcharge); half paid between $976 and $1,820; $1,353 inside the Special Flood Hazard Area against $1,084 outside it: what NFIP policyholders paid, not a quote.

How many flood insurance claims has New Jersey had?

10,533 NFIP building claims were paid (year of loss 2015-2024), with a median of $16,375; the year with the most was 2021 (6,567), and the named event with the most was Hurricane Ida (6,151). These are amounts paid, not repair cost.

Is New Jersey in a flood zone?

Of the residential NFIP policies of New Jersey (policies effective 2025), 92,365 are rated inside the Special Flood Hazard Area and 18,519 outside it (zones listed: AE, X, AO, VE, A, AH), but these aggregates cannot tell the flood zone of an address: FEMA’s Flood Map Service Center shows it for a given property.

Counties of New Jersey

• Cape May County

Named storms with paid claims in New Jersey

• Hurricane Sandy
• Hurricane Irene
• Hurricane Ida

Related tools

NFIP paid claims and premiums are not repair estimates: to estimate the cleanup of a flooded basement from published cost-guide rates, use the basement water damage repair cost calculator; for water removal and drying after any water loss, the water damage and mitigation calculator.

To set these figures against every State on one claims window, amounts paid, not repair cost: NFIP paid building claims by state.

Before using these figures

A state figure mixes very different counties and flood zones. Method and limits.

Source and notice

This product uses the Federal Emergency Management Agency’s OpenFEMA API, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).