Flood Claims Map

New Jersey

Flood insurance claims in Essex County, New Jersey

FEMA records 5,845 National Flood Insurance Program claims in Essex County, New Jersey, since 1978, with $164.2 million paid in total. The year with the most claims was 2011, with 1,543. As of 3 August 2026, 1.9% of homes here had an NFIP policy, and 50.5% of homes in the high-risk flood zone did.

NFIP claims on record5,845
Total paid$164.2 million
Claims with a payment4,661
Homes with NFIP policy1.9%
High-risk zone homes insured50.5%
Residential policies in force2,803

Claims by year of loss

1978: 11619781979: 1731980: 641981: 1001982: 2819821983: 1491984: 2771985: 161986: 2019861987: 241988: 151989: 831990: 719901991: 131992: 311993: 311994: 2419941995: 181996: 781997: 541998: 1519981999: 6352000: 62001: 332002: 1320022003: 62004: 92005: 802006: 2120062007: 5022008: 172009: 152010: 27320102011: 1,5432012: 1152013: 112014: 3420142015: 72016: 42017: 52018: 7520182019: 162020: 132021: 8782022: 1720222023: 782024: 902025: 32026: 1020261,543

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

1978: $211,71719781979: $270,2681980: $76,1321981: $401,1791982: $30,35919821983: $331,8671984: $2.5 million1985: $13,9491986: $60,85419861987: $44,8491988: $15,9261989: $290,1891990: $14,96319901991: $16,0121992: $171,4541993: $149,0521994: $54,91519941995: $211,5011996: $497,3351997: $1.0 million1998: $66,99619981999: $10.2 million2000: $6,4942001: $1.2 million2002: $54,00120022003: $8,5602004: $1,3312005: $879,1092006: $248,83920062007: $8.5 million2008: $43,1862009: $84,2462010: $5.7 million20102011: $60.7 million2012: $16.9 million2013: $29,7642014: $600,63420142015: $298,3432016: $02017: $1,0732018: $1.8 million20182019: $61,2882020: $9,4642021: $47.5 million2022: $107,01220222023: $893,0572024: $1.8 million2025: $19,6032026: $21,5342026$60.7 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Irene1,291
Hurricane Ida820
Hurricane Floyd591
April 2007 Nor'easter459
Flooding393
March 2010 Nor'easter264
Late winter storms163
Hurricane Sandy111

ZIP codes with the most claims

ZIP code (as reported)Claims
070042,089
07003625
07041327
07110314
07039287
07052262
07109236
07050225
07042192
07105169

4,278 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $127.0 million, contents $36.9 million, increased cost of compliance $291,000.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone3,7101,87350.5%
All homes146,4862,8031.9%

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.