Flood insurance claims in New Jersey by county
FEMA records 201,761 NFIP claims in New Jersey's counties, with $6.50 billion paid. As of 3 August 2026, 121,462 NFIP residential policies were in force, equal to 5.0% of the state's residential structures.
| Ocean County | 52,884 | $2.61 billion | 16.6% |
| Cape May County | 28,016 | $414.6 million | 40.1% |
| Atlantic County | 20,909 | $493.9 million | 14.4% |
| Monmouth County | 20,039 | $937.5 million | 7.4% |
| Bergen County | 14,477 | $432.4 million | 2.2% |
| Passaic County | 14,385 | $316.7 million | 2.2% |
| Morris County | 9,463 | $201.0 million | 1.4% |
| Union County | 7,525 | $163.8 million | 2.9% |
| Somerset County | 6,502 | $239.8 million | 1.3% |
| Essex County | 5,845 | $164.2 million | 1.9% |
| Middlesex County | 5,251 | $164.6 million | 1.2% |
| Hudson County | 5,198 | $177.3 million | 3.5% |
| Mercer County | 2,432 | $48.4 million | 1.2% |
| Burlington County | 2,180 | $29.4 million | 2.2% |
| Hunterdon County | 1,572 | $39.6 million | 1.5% |
| Camden County | 1,329 | $8.6 million | 0.9% |
| Warren County | 1,273 | $32.6 million | 1.1% |
| Salem County | 824 | $9.2 million | 7.0% |
| Cumberland County | 756 | $12.8 million | 0.9% |
| Gloucester County | 709 | $4.8 million | 0.9% |
| Sussex County | 192 | $2.0 million | 0.3% |
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
- FEMA, OpenFEMA FIMA NFIP Redacted Claims (v2 dataset, API v3 NfipClaims), 2,725,989 claim records, retrieved 29 October 2026
- 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.