Flood Claims Map

New Jersey

Flood insurance claims in Sussex County, New Jersey

FEMA records 192 National Flood Insurance Program claims in Sussex County, New Jersey, since 1978, with $2.0 million paid in total. The year with the most claims was 2011, with 58. As of 3 August 2026, 0.3% of homes here had an NFIP policy, and 36.5% of homes in the high-risk flood zone did.

NFIP claims on record192
Total paid$2.0 million
Claims with a payment130
Homes with NFIP policy0.3%
High-risk zone homes insured36.5%
Residential policies in force171

Claims by year of loss

1978: 519781979: 61980: 21981: 41982: 119821983: 61984: 51985: 11986: 319861987: 01988: 01989: 41990: 019901991: 21992: 21993: 31994: 119941995: 21996: 131997: 01998: 119981999: 102000: 112001: 02002: 020022003: 12004: 62005: 92006: 820062007: 52008: 42009: 22010: 420102011: 582012: 02013: 02014: 120142015: 02016: 22017: 12018: 320182019: 02020: 02021: 42022: 020222023: 12024: 158

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

1978: $1,41219781979: $1,6061980: $1,3391981: $9,6961982: $019821983: $15,6181984: $8,3681985: $01986: $3,87619861987: $01988: $01989: $6581990: $019901991: $1,8991992: $31,9411993: $3,1201994: $019941995: $3,7061996: $55,5471997: $01998: $019981999: $11,4712000: $23,1782001: $02002: $020022003: $02004: $98,9802005: $157,6942006: $227,02020062007: $33,8932008: $18,1322009: $12,0152010: $54,77220102011: $887,6002012: $02013: $02014: $020142015: $02016: $5,0122017: $5,7732018: $254,73020182019: $02020: $02021: $23,3682022: $020222023: $1,6572024: $0$887,600

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Irene51
Flooding25
Hurricane Floyd8
Torrential rain5
Not a named storm5
April 2007 Nor'easter5
March 2010 Nor'easter4
Hurricane Ida3

ZIP codes with the most claims

ZIP code (as reported)Claims
0746128
0782620
0786018
0787115
0787415
0784314
0782713
074169
074399
074628

79 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $1.8 million, contents $135,405, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone1485436.5%
All homes53,8531710.3%

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.