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New Jersey flood insurance claims by county

202,340 National Flood Insurance Program claims across 21 New Jersey counties since 1978, with $6.51B paid. The worst year statewide was 2012 (75,727 claims), and October is the peak month for flood losses. Pick a county for ZIP-level detail.

NFIP claims
202,340
1978 – 2026
Total paid
$6.51B
nominal dollars
Counties with claims
21
each has its own page
Outside high-risk zones
10%
of claims with a known zone

New Jersey flood claims map

Darker counties have filed more federal flood insurance claims since 1978. Hover or tap for the numbers; click one to open its full record.

New Jersey counties shaded by NFIP flood claimsCamden County, NJ: 1,329 claims, $8.6M paidHunterdon County, NJ: 1,572 claims, $39.6M paidWarren County, NJ: 1,273 claims, $32.6M paidSussex County, NJ: 192 claims, $2.0M paidBergen County, NJ: 14,477 claims, $432.4M paidAtlantic County, NJ: 20,909 claims, $493.9M paidHudson County, NJ: 5,198 claims, $177.3M paidEssex County, NJ: 5,845 claims, $164.2M paidUnion County, NJ: 7,525 claims, $163.8M paidCumberland County, NJ: 756 claims, $12.8M paidBurlington County, NJ: 2,180 claims, $29.4M paidMonmouth County, NJ: 20,039 claims, $937.5M paidPassaic County, NJ: 14,385 claims, $316.7M paidGloucester County, NJ: 709 claims, $4.8M paidMercer County, NJ: 2,432 claims, $48.4M paidSalem County, NJ: 824 claims, $9.2M paidSomerset County, NJ: 6,502 claims, $239.8M paidOcean County, NJ: 52,884 claims, $2.61B paidMorris County, NJ: 9,463 claims, $201.0M paidCape May County, NJ: 28,016 claims, $414.6M paidMiddlesex County, NJ: 5,251 claims, $164.6M paid
NFIP claims since 1978:under 1,2701,270–2,4302,430–6,5006,500–14,48014,480+not coveredTotals count insured buildings only and are not adjusted for population, so large, coastal and riverside counties lead.

New Jersey flood claims by year

Peak: 75,727 claims in 2012

All New Jersey NFIP claims by year of loss.

New Jersey counties by flood claims

Ocean County52,884$2.61B4%2012Hurricane Sandy (2012)
Cape May County28,016$414.6M1%2012Hurricane Sandy (2012)
Atlantic County20,909$493.9M3%2012Hurricane Sandy (2012)
Monmouth County20,039$937.5M18%2012Hurricane Sandy (2012)
Bergen County14,477$432.4M17%2011Hurricane Irene (2011)
Passaic County14,385$316.7M8%2011Hurricane Irene (2011)
Morris County9,463$201.0M10%2011Hurricane Irene (2011)
Union County7,525$163.8M25%2011Hurricane Irene (2011)
Somerset County6,502$239.8M24%2011Hurricane Irene (2011)
Essex County5,845$164.2M25%2011Hurricane Irene (2011)
Middlesex County5,251$164.6M26%2011Hurricane Irene (2011)
Hudson County5,198$177.3M14%2012Hurricane Sandy (2012)
Mercer County2,432$48.4M29%2011Hurricane Irene (2011)
Burlington County2,180$29.4M27%2011Hurricane Irene (2011)
Hunterdon County1,572$39.6M19%2011Hurricane Ida (2021)
Camden County1,329$8.6M34%2011Hurricane Irene (2011)
Warren County1,273$32.6M28%2005Hurricane Irene (2011)
Salem County824$9.2M10%2012Hurricane Sandy (2012)
Cumberland County756$12.8M14%2012Hurricane Sandy (2012)
Gloucester County709$4.8M27%2011Hurricane Irene (2011)
Sussex County192$2.0M54%2011Hurricane Irene (2011)

All 21 counties — click a column to sort.

Largest flood events in New Jersey

Flood event (FEMA name)ClaimsPaidYear
Hurricane Sandy74,983$4.37B2012
Hurricane Irene18,125$599.5M2011
December Storm - Nor'easter16,585$179.7M1992
Flooding (FEMA general label)8,471$54.9M1984
Hurricane Floyd7,129$143.6M1999
Hurricane Ida7,034$353.8M2021
April 2007 Nor'easter6,522$154.1M2007
March 2010 Nor'easter5,270$100.5M2010
Hurricane Gloria3,379$17.0M1985
Flooding (FEMA general label)2,815$21.9M1992
Late winter storms2,173$36.4M2011
Flooding (FEMA general label)1,928$20.5M1996

Flood claims outside the high-risk map

High-risk A zones: 175,851 (87%)Coastal high-risk V zones: 2,654 (1%)Moderate / low-risk zones (B, C, X): 20,345 (10%)Zone not recorded: 3,490 (2%)

Counties (with at least 100 claims) where the largest share of claims came from moderate- or low-risk zones:

CountyClaims in B / C / X zonesShare of all claims
Sussex County9154%
Camden County43134%
Mercer County65629%
Warren County34828%
Burlington County56927%
Gloucester County17327%
Middlesex County1,32426%
Union County1,85125%
Essex County1,40325%
Somerset County1,51524%

All 21 New Jersey counties

Source: FEMA OpenFEMA NFIP Redacted Claims, U.S. government work. 579 New Jersey claims have no county code and appear only in the statewide totals. Counties with no NFIP claim on file do not have a page. Reference only — not for insurance, legal or real-estate decisions.

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