Flood Claims Map

New Jersey

Flood insurance claims in Morris County, New Jersey

FEMA records 9,463 National Flood Insurance Program claims in Morris County, New Jersey, since 1978, with $201.0 million paid in total. The year with the most claims was 2011, with 2,971. As of 3 August 2026, 1.4% of homes here had an NFIP policy.

NFIP claims on record9,463
Total paid$201.0 million
Claims with a payment8,103
Homes with NFIP policy1.4%
High-risk zone homes insuredn/a
Residential policies in force2,195

Claims by year of loss

1978: 12819781979: 4331980: 1991981: 281982: 2119821983: 3151984: 1,0811985: 131986: 1019861987: 1411988: 01989: 1111990: 3019901991: 31992: 461993: 431994: 3219941995: 31996: 2891997: 81998: 3719981999: 7912000: 1362001: 62002: 420022003: 502004: 52005: 4442006: 1620062007: 6392008: 222009: 142010: 87520102011: 2,9712012: 522013: 72014: 1020142015: 52016: 32017: 22018: 920182019: 52020: 122021: 1752022: 520222023: 1612024: 632025: 62026: 420262,971

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

1978: $191,26319781979: $1.5 million1980: $328,8201981: $124,6271982: $11,82819821983: $491,3201984: $11.6 million1985: $10,4621986: $13019861987: $441,9941988: $01989: $458,3011990: $52,33919901991: $13,5451992: $315,3901993: $198,1681994: $77,45719941995: $8,3171996: $2.8 million1997: $75,0341998: $188,45719981999: $10.0 million2000: $2.2 million2001: $18,1122002: $17520022003: $130,2402004: $69,8092005: $5.2 million2006: $137,23720062007: $12.5 million2008: $107,1572009: $57,0362010: $21.0 million20102011: $120.6 million2012: $1.3 million2013: $67,7672014: $21,50420142015: $6,5522016: $02017: $2,2822018: $7,35020182019: $23,0562020: $65,0042021: $4.5 million2022: $4,62120222023: $3.3 million2024: $768,8992025: $17,1542026: $5,0252026$120.6 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Irene2,208
Flooding1,553
March 2010 Nor'easter854
Hurricane Floyd768
April 2007 Nor'easter614
Late winter storms582
Not a named storm448
Torrential rain171

ZIP codes with the most claims

ZIP code (as reported)Claims
070353,357
074401,426
07834879
07444832
07801660
07034496
07980159
07054157
07866130
07457117

8,042 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $162.3 million, contents $37.2 million, increased cost of compliance $1.5 million.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone01,481n/a
All homes151,4952,1951.4%

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.