Flood Claims Map

New Jersey

Flood insurance claims in Cumberland County, New Jersey

FEMA records 756 National Flood Insurance Program claims in Cumberland County, New Jersey, since 1978, with $12.8 million paid in total. The year with the most claims was 2012, with 213. As of 3 August 2026, 0.9% of homes here had an NFIP policy, and 26.9% of homes in the high-risk flood zone did.

NFIP claims on record756
Total paid$12.8 million
Claims with a payment602
Homes with NFIP policy0.9%
High-risk zone homes insured26.9%
Residential policies in force371

Claims by year of loss

1978: 419781979: 331980: 1211981: 01982: 019821983: 11984: 61985: 471986: 119861987: 41988: 01989: 41990: 019901991: 31992: 591993: 131994: 1419941995: 01996: 121997: 221998: 719981999: 32000: 12001: 12002: 220022003: 72004: 02005: 72006: 620062007: 132008: 52009: 102010: 1220102011: 752012: 2132013: 12014: 820142015: 32016: 52017: 22018: 420182019: 12020: 192021: 12022: 020222023: 12024: 32025: 2213

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

1978: $7,70019781979: $78,2111980: $1.2 million1981: $01982: $019821983: $01984: $9,3951985: $269,1531986: $1,88019861987: $17,8031988: $01989: $16,5451990: $019901991: $8461992: $325,9471993: $139,6161994: $61,17419941995: $01996: $37,8071997: $44,7971998: $9,95219981999: $8,3642000: $6832001: $8,7742002: $8,92520022003: $8,4962004: $02005: $45,3352006: $27,00020062007: $61,5342008: $15,1972009: $28,6462010: $216,73020102011: $951,8042012: $8.6 million2013: $5,6962014: $105,72720142015: $19,5462016: $28,2282017: $3,3542018: $35,26420182019: $14,5302020: $312,7352021: $02022: $020222023: $02024: $10,4882025: $4,173$8.6 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Sandy200
Flooding173
Hurricane Gloria46
December Storm - Nor'easter43
Hurricane Irene37
Hurricane Isaias17
April 2007 Nor'easter13
March 2010 Nor'easter8

ZIP codes with the most claims

ZIP code (as reported)Claims
08321190
08345182
0833265
0830253
0836048
0832439
0831135
0834928
0831425
0836114

612 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $11.1 million, contents $1.3 million, increased cost of compliance $315,342.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone1,02027426.9%
All homes42,2073710.9%

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.