Flood Claims Map

New Jersey

Flood insurance claims in Atlantic County, New Jersey

FEMA records 20,909 National Flood Insurance Program claims in Atlantic County, New Jersey, since 1978, with $493.9 million paid in total. The year with the most claims was 2012, with 11,429. As of 3 August 2026, 14.4% of homes here had an NFIP policy, and 94.5% of homes in the high-risk flood zone did.

NFIP claims on record20,909
Total paid$493.9 million
Claims with a payment17,720
Homes with NFIP policy14.4%
High-risk zone homes insured94.5%
Residential policies in force12,522

Claims by year of loss

1978: 6319781979: 1571980: 2061981: 241982: 1819821983: 311984: 1,0731985: 9351986: 1919861987: 1571988: 71989: 861990: 1619901991: 2191992: 3,7621993: 1001994: 39219941995: 381996: 1091997: 1711998: 39919981999: 392000: 622001: 322002: 5320022003: 422004: 162005: 392006: 2420062007: 242008: 412009: 2002010: 11920102011: 1822012: 11,4292013: 332014: 2420142015: 372016: 1642017: 292018: 12020182019: 292020: 302021: 252022: 3620222023: 182024: 222025: 532026: 5202611,429

NFIP claims by year of loss, Atlantic County, New Jersey

1978: $66,31519781979: $189,3011980: $687,8001981: $42,9111982: $26,46419821983: $26,7801984: $4.1 million1985: $3.7 million1986: $19,03219861987: $528,6901988: $01989: $231,0451990: $26,91119901991: $1.5 million1992: $33.9 million1993: $478,9541994: $2.4 million19941995: $399,5451996: $917,2021997: $1.7 million1998: $2.4 million19981999: $236,1372000: $636,5542001: $231,0632002: $217,29520022003: $90,5872004: $27,6812005: $863,2372006: $376,60320062007: $254,1012008: $780,3122009: $2.6 million2010: $920,97920102011: $1.8 million2012: $420.6 million2013: $127,3962014: $206,15620142015: $272,4252016: $2.1 million2017: $586,7062018: $2.6 million20182019: $739,8812020: $143,8472021: $503,9202022: $1.5 million20222023: $230,9082024: $726,7972025: $1.4 million2026: $35,8912026$420.6 million

Paid on claims by year of loss (building, contents and increased cost of compliance), Atlantic County, New Jersey

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Sandy11,344
December Storm - Nor'easter3,278
Flooding2,399
Hurricane Gloria914
The "Halloween" Storm192
Hurricane Irene148
Winter Storm Jonas129
March 2010 Nor'easter65

ZIP codes with the most claims

ZIP code (as reported)Claims
084015,940
082034,192
084063,930
084023,140
084031,334
08232880
08244377
08234198
08037172
08330162

20,155 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $429.0 million, contents $45.2 million, increased cost of compliance $19.8 million.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone12,13911,47194.5%
All homes86,67112,52214.4%

FEMA counts residential structures and NFIP residential policies in force as of 3 August 2026. Private flood policies are not counted. A share is shown as n/a where FEMA counts no homes or more policies than homes.

Flood insurance basics. Most standard homeowners policies do not cover flood damage. NFIP policies are sold through insurance agents and through FEMA's FloodSmart site, which also explains waiting periods (usually 30 days before cover starts). Check your property's flood zone on the FEMA Flood Map Service Center.

Sources

  1. FEMA, OpenFEMA FIMA NFIP Redacted Claims (v2 dataset, API v3 NfipClaims), 2,725,989 claim records, retrieved 29 October 2026
  2. FEMA, OpenFEMA NFIP Residential Penetration Rates, as of 3 August 2026

Checked 29 October 2026. Claims are NFIP claims only. Private flood insurance claims and uninsured losses are not included. Recent events can take months to be fully reflected.