Flood Claims Map

New Jersey

Flood insurance claims in Bergen County, New Jersey

FEMA records 14,477 National Flood Insurance Program claims in Bergen County, New Jersey, since 1978, with $432.4 million paid in total. The year with the most claims was 2011, with 3,686. As of 3 August 2026, 2.2% of homes here had an NFIP policy, and 41.3% of homes in the high-risk flood zone did.

NFIP claims on record14,477
Total paid$432.4 million
Claims with a payment12,235
Homes with NFIP policy2.2%
High-risk zone homes insured41.3%
Residential policies in force5,724

Claims by year of loss

1978: 6819781979: 3451980: 1541981: 601982: 4819821983: 1881984: 4911985: 311986: 1619861987: 631988: 31989: 1031990: 4619901991: 341992: 2281993: 151994: 2319941995: 241996: 1171997: 391998: 1419981999: 1,8302000: 162001: 212002: 1420022003: 402004: 902005: 2192006: 4520062007: 1,5482008: 262009: 292010: 27120102011: 3,6862012: 2,0902013: 302014: 3320142015: 162016: 82017: 252018: 7820182019: 182020: 212021: 1,8032022: 8720222023: 1462024: 1402025: 232026: 1420263,686

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

1978: $343,30719781979: $681,2121980: $288,9461981: $209,9281982: $72,45319821983: $319,6901984: $2.6 million1985: $179,4571986: $31,00119861987: $168,4101988: $01989: $408,9621990: $869,00519901991: $471,4611992: $3.1 million1993: $4,2051994: $27,30919941995: $64,8651996: $1.7 million1997: $709,1161998: $62,96719981999: $36.9 million2000: $87,7592001: $272,2992002: $102,72520022003: $641,9132004: $936,1502005: $3.1 million2006: $190,43320062007: $41.3 million2008: $105,9522009: $383,6572010: $2.8 million20102011: $105.5 million2012: $129.8 million2013: $176,2092014: $1.2 million20142015: $199,4832016: $2,3982017: $1.7 million2018: $3.3 million20182019: $332,5512020: $275,1492021: $79.0 million2022: $2.2 million20222023: $2.8 million2024: $5.6 million2025: $921,2052026: $46,6002026$129.8 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Irene3,140
Hurricane Sandy2,072
Hurricane Floyd1,757
Hurricane Ida1,707
April 2007 Nor'easter1,463
Flooding644
Not a named storm311
March 2010 Nor'easter248

ZIP codes with the most claims

ZIP code (as reported)Claims
076431,750
076441,004
07662910
07675842
07646822
07057732
07436662
07071519
07601494
07663447

11,660 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $334.5 million, contents $96.6 million, increased cost of compliance $1.3 million.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone10,1774,20341.3%
All homes254,5865,7242.2%

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.