Flood Claims Map

New Jersey

Flood insurance claims in Ocean County, New Jersey

FEMA records 52,884 National Flood Insurance Program claims in Ocean County, New Jersey, since 1978, with $2.61 billion paid in total. The year with the most claims was 2012, with 37,797. As of 3 August 2026, 16.6% of homes here had an NFIP policy, and 70.8% of homes in the high-risk flood zone did.

NFIP claims on record52,884
Total paid$2.61 billion
Claims with a payment45,509
Homes with NFIP policy16.6%
High-risk zone homes insured70.8%
Residential policies in force35,624

Claims by year of loss

1978: 10019781979: 1401980: 1311981: 141982: 3919821983: 321984: 9621985: 4131986: 3119861987: 991988: 81989: 771990: 1719901991: 8871992: 6,9291993: 2851994: 9719941995: 801996: 1551997: 3161998: 38719981999: 1022000: 1242001: 532002: 5420022003: 1132004: 292005: 3802006: 40720062007: 702008: 592009: 1612010: 30620102011: 1,1562012: 37,7972013: 642014: 14420142015: 272016: 712017: 542018: 6320182019: 382020: 292021: 1132022: 6820222023: 322024: 872025: 712026: 13202637,797

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

1978: $228,88219781979: $105,0971980: $235,8781981: $1,4791982: $69,98319821983: $21,3751984: $2.8 million1985: $793,4751986: $16,90519861987: $95,9541988: $3,0931989: $85,2321990: $2,03219901991: $3.1 million1992: $66.8 million1993: $707,5941994: $353,67819941995: $260,0351996: $684,2341997: $1.8 million1998: $1.2 million19981999: $142,8172000: $696,8272001: $193,9092002: $189,87620022003: $411,0412004: $137,1072005: $5.5 million2006: $4.3 million20062007: $200,5782008: $396,6802009: $1.4 million2010: $1.8 million20102011: $18.4 million2012: $2.49 billion2013: $309,9292014: $972,65120142015: $42,7942016: $751,5572017: $518,5062018: $561,78620182019: $191,2842020: $78,9182021: $677,9542022: $472,90720222023: $218,6532024: $840,7122025: $1.5 million2026: $40,6562026$2.49 billion

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Sandy37,459
December Storm - Nor'easter6,757
Flooding1,728
Hurricane Irene1,080
The "Halloween" Storm673
Hurricane Gloria351
March 2010 Nor'easter251
Torrential rain153

ZIP codes with the most claims

ZIP code (as reported)Claims
0800814,165
080875,342
087534,903
080504,647
087354,427
087424,079
087512,777
087232,491
087311,522
087211,500

50,500 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $2.16 billion, contents $275.4 million, increased cost of compliance $172.1 million.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone47,06733,32970.8%
All homes214,76835,62416.6%

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.