Flood Claims Map

New Jersey

Flood insurance claims in Monmouth County, New Jersey

FEMA records 20,039 National Flood Insurance Program claims in Monmouth County, New Jersey, since 1978, with $937.5 million paid in total. The year with the most claims was 2012, with 10,109. As of 3 August 2026, 7.4% of homes here had an NFIP policy, and 70.4% of homes in the high-risk flood zone did.

NFIP claims on record20,039
Total paid$937.5 million
Claims with a payment16,939
Homes with NFIP policy7.4%
High-risk zone homes insured70.4%
Residential policies in force14,530

Claims by year of loss

1978: 20419781979: 951980: 501981: 81982: 819821983: 461984: 1,0951985: 1511986: 619861987: 1121988: 551989: 601990: 1719901991: 4071992: 3,4561993: 1661994: 8519941995: 151996: 1921997: 221998: 8219981999: 412000: 272001: 292002: 4820022003: 272004: 222005: 3892006: 2120062007: 512008: 232009: 292010: 41720102011: 1,7812012: 10,1092013: 552014: 6420142015: 172016: 182017: 262018: 10320182019: 212020: 112021: 682022: 3120222023: 1632024: 342025: 172026: 65202610,109

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

1978: $558,56719781979: $284,3881980: $92,1221981: $32,0431982: $7,35019821983: $112,6981984: $4.3 million1985: $705,3691986: $3,66119861987: $334,5761988: $175,8311989: $268,1561990: $88,37319901991: $1.9 million1992: $54.0 million1993: $443,6651994: $254,93619941995: $6,4751996: $1.4 million1997: $164,4371998: $145,23319981999: $152,9502000: $179,5632001: $233,4112002: $274,13320022003: $97,0522004: $135,4222005: $7.6 million2006: $169,31020062007: $354,4652008: $86,4572009: $120,0622010: $4.1 million20102011: $28.1 million2012: $820.3 million2013: $221,2202014: $878,40020142015: $17,1332016: $34,4952017: $208,4002018: $1.9 million20182019: $55,7652020: $13,4252021: $589,3982022: $197,69020222023: $3.3 million2024: $495,5062025: $447,9162026: $1.8 million2026$820.3 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Sandy10,032
December Storm - Nor'easter3,336
Hurricane Irene1,662
Flooding1,440
March 2010 Nor'easter394
Torrential rain368
The "Halloween" Storm362
Hurricane Gloria139

ZIP codes with the most claims

ZIP code (as reported)Claims
077602,928
087362,238
077351,791
077321,742
077501,661
077401,392
077341,366
07758997
07757965
07719570

16,291 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $800.8 million, contents $97.0 million, increased cost of compliance $39.6 million.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone14,60510,28870.4%
All homes196,46014,5307.4%

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.