Flood Claims Map

New Jersey

Flood insurance claims in Cape May County, New Jersey

FEMA records 28,016 National Flood Insurance Program claims in Cape May County, New Jersey, since 1978, with $414.6 million paid in total. The year with the most claims was 2012, with 10,138. As of 3 August 2026, 40.1% of homes here had an NFIP policy, and 74.4% of homes in the high-risk flood zone did.

NFIP claims on record28,016
Total paid$414.6 million
Claims with a payment22,721
Homes with NFIP policy40.1%
High-risk zone homes insured74.4%
Residential policies in force25,975

Claims by year of loss

1978: 3219781979: 1541980: 8341981: 471982: 1319821983: 341984: 2,0871985: 1,7851986: 4519861987: 2041988: 61989: 661990: 1019901991: 5381992: 4,9131993: 1211994: 1,33219941995: 421996: 3661997: 681998: 1,97119981999: 312000: 882001: 122002: 3020022003: 1342004: 282005: 222006: 4420062007: 82008: 1922009: 6242010: 11320102011: 2252012: 10,1382013: 382014: 2120142015: 432016: 1,3262017: 322018: 6620182019: 172020: 242021: 262022: 1420222023: 92024: 152025: 252026: 3202610,138

NFIP claims by year of loss, Cape May County, New Jersey

1978: $27,84719781979: $111,5871980: $1.9 million1981: $62,1191982: $4,92919821983: $78,1641984: $7.9 million1985: $10.0 million1986: $166,30219861987: $1.0 million1988: $01989: $336,1791990: $13,84919901991: $4.1 million1992: $41.2 million1993: $802,0111994: $9.0 million19941995: $301,2201996: $2.5 million1997: $543,6791998: $18.6 million19981999: $93,7482000: $521,9122001: $32,4712002: $40,25520022003: $551,5612004: $45,0542005: $122,3662006: $446,28620062007: $23,1282008: $1.6 million2009: $8.1 million2010: $391,13620102011: $2.1 million2012: $276.3 million2013: $87,2392014: $46,24820142015: $217,1602016: $23.3 million2017: $145,8592018: $504,65120182019: $135,2482020: $113,9322021: $576,6512022: $41,25320222023: $49,5092024: $43,2132025: $296,8942026: $4,9132026$276.3 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Sandy10,060
Flooding7,846
December Storm - Nor'easter2,517
Hurricane Gloria1,750
Winter Storm Jonas1,279
The "Halloween" Storm508
Hurricane Irene196
March 2010 Nor'easter72

ZIP codes with the most claims

ZIP code (as reported)Claims
082269,475
082608,818
082432,966
082022,366
082471,539
082041,477
08210421
08248356
08251147
0821285

27,662 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $348.7 million, contents $56.0 million, increased cost of compliance $9.8 million.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone32,39124,09874.4%
All homes64,83125,97540.1%

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.