Flood Claims Map

New Jersey

Flood insurance claims in Somerset County, New Jersey

FEMA records 6,502 National Flood Insurance Program claims in Somerset County, New Jersey, since 1978, with $239.8 million paid in total. The year with the most claims was 2011, with 1,383. As of 3 August 2026, 1.3% of homes here had an NFIP policy, and 53.1% of homes in the high-risk flood zone did.

NFIP claims on record6,502
Total paid$239.8 million
Claims with a payment5,767
Homes with NFIP policy1.3%
High-risk zone homes insured53.1%
Residential policies in force1,407

Claims by year of loss

1978: 2919781979: 1331980: 51981: 71982: 1519821983: 221984: 651985: 61986: 419861987: 31988: 21989: 111990: 219901991: 11992: 91993: 101994: 1719941995: 71996: 5801997: 111998: 319981999: 1,0992000: 152001: 42002: 320022003: 142004: 132005: 212006: 1020062007: 1,0212008: 92009: 102010: 71020102011: 1,3832012: 392013: 132014: 7220142015: 62016: 52017: 72018: 1220182019: 82020: 42021: 8582022: 720222023: 232024: 222025: 1712026: 120261,383

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

1978: $22,53719781979: $264,4401980: $3,4301981: $13,0921982: $24,09819821983: $19,7501984: $337,0171985: $1,9631986: $1,20719861987: $2,8401988: $5,5781989: $30,9641990: $2,89719901991: $19,3721992: $13,7851993: $6,9351994: $25,41519941995: $12,5821996: $6.3 million1997: $125,7601998: $019981999: $40.7 million2000: $127,0622001: $13,1062002: $35,24620022003: $66,7272004: $29,3362005: $244,8392006: $16,29820062007: $38.7 million2008: $28,4002009: $14,6092010: $15.6 million20102011: $56.1 million2012: $63,9922013: $203,8242014: $809,35620142015: $12,8802016: $16,6752017: $26,7132018: $100,36120182019: $28,5192020: $12,7442021: $68.3 million2022: $28,37220222023: $355,4512024: $441,3322025: $10.5 million2026: $02026$68.3 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Irene1,330
Hurricane Floyd1,066
April 2007 Nor'easter989
Hurricane Ida826
March 2010 Nor'easter700
Flooding536
2025 July NYC Metro Area Flooding168
Not a named storm103

ZIP codes with the most claims

ZIP code (as reported)Claims
088051,957
088351,783
08876408
07060400
08812304
08844281
08807258
07063226
08873105
0888093

4,815 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $200.8 million, contents $38.7 million, increased cost of compliance $340,899.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone1,32370253.1%
All homes104,2231,4071.3%

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.