Flood Claims Map

New Jersey

Flood insurance claims in Mercer County, New Jersey

FEMA records 2,432 National Flood Insurance Program claims in Mercer County, New Jersey, since 1978, with $48.4 million paid in total. The year with the most claims was 2011, with 408. As of 3 August 2026, 1.2% of homes here had an NFIP policy, and 41.7% of homes in the high-risk flood zone did.

NFIP claims on record2,432
Total paid$48.4 million
Claims with a payment1,879
Homes with NFIP policy1.2%
High-risk zone homes insured41.7%
Residential policies in force1,294

Claims by year of loss

1978: 9819781979: 1341980: 181981: 281982: 1019821983: 281984: 341985: 21986: 219861987: 1181988: 01989: 271990: 219901991: 51992: 131993: 71994: 6919941995: 01996: 2371997: 31998: 219981999: 1302000: 32001: 182002: 220022003: 142004: 1532005: 2262006: 24320062007: 822008: 22009: 202010: 2420102011: 4082012: 162013: 122014: 1220142015: 52016: 122017: 12018: 1920182019: 52020: 42021: 1612022: 320222023: 52024: 122025: 12026: 22026408

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

1978: $339,61619781979: $265,1471980: $41,5561981: $60,1521982: $22,50019821983: $148,6781984: $134,4851985: $01986: $206,24619861987: $966,2061988: $01989: $514,8081990: $4,33319901991: $2,2221992: $347,8251993: $27,6821994: $759,43819941995: $01996: $4.2 million1997: $1,8711998: $81319981999: $3.9 million2000: $2,3902001: $42,5512002: $17,02120022003: $15,6122004: $920,6442005: $2.8 million2006: $2.7 million20062007: $2.4 million2008: $4,0872009: $349,5582010: $63,99020102011: $15.2 million2012: $10,4102013: $52,7452014: $158,53220142015: $02016: $215,1322017: $02018: $67,18720182019: $18,4002020: $6,0122021: $11.4 million2022: $8,87720222023: $11,9442024: $47,1562025: $02026: $02026$15.2 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Irene308
Hurricane Ida135
Hurricane Floyd118
April 2007 Nor'easter75
Torrential rain69
Flooding53
Not a named storm38
March 2010 Nor'easter20

ZIP codes with the most claims

ZIP code (as reported)Claims
08618948
08638344
08619263
08540217
08648195
0862884
0852046
0855046
0861145
0861043

1,645 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $32.6 million, contents $15.8 million, increased cost of compliance $30,000.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone1,82676141.7%
All homes107,0401,2941.2%

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.