Flood risk in New Jersey
FEMA NFIP historical claims and active policies aggregated by county. Pick a county to see total paid, average claim amount, and active policy count.
Counties with claims
21
of 22 reporting
Total NFIP claims
61,536
Total claims paid
$2,439,687,373
Active policies
20,016
Highest flood risk counties
Claims per 1,000 housing units. Higher means a larger share of homes have a documented claim on file.
- 1.Cape May County143.98 / 1k
- 2.Ocean County86.36 / 1k
- 3.Atlantic County60.44 / 1k
- 4.Monmouth County27.10 / 1k
- 5.Passaic County19.23 / 1k
- 6.Somerset County13.27 / 1k
- 7.Bergen County12.45 / 1k
- 8.Morris County11.82 / 1k
- 9.Union County10.64 / 1k
- 10.Salem County7.96 / 1k
Lowest flood risk counties
Claims per 1,000 housing units, restricted to counties of at least 25,000 residents.
- 1.Sussex County0.66 / 1k
- 2.Camden County1.33 / 1k
- 3.Gloucester County1.55 / 1k
- 4.Mercer County2.67 / 1k
- 5.Warren County2.93 / 1k
- 6.Burlington County3.09 / 1k
- 7.Cumberland County3.80 / 1k
- 8.Essex County5.18 / 1k
- 9.Middlesex County5.73 / 1k
- 10.Hunterdon County6.12 / 1k
Counties by historical claims
Sorted by total claims, highest first. Historical totals do not capture uninsured properties or future climate shifts.
- County20,680 claims · very-high
- County6,723 claims · high
- County6,445 claims · very-high
- County6,231 claims · very-high
- County4,368 claims · high
- County3,407 claims · high
- County2,241 claims · high
- County2,128 claims · high
- County2,052 claims · moderate
- County1,731 claims · moderate
- County1,693 claims · high
- County1,622 claims · moderate
- County539 claims · moderate
- County373 claims · moderate
- County304 claims · moderate
- County264 claims · moderate
- County200 claims · moderate
- County197 claims · moderate
- County171 claims · moderate
- County130 claims · moderate
- County37 claims · low
- County0 claims · low
How to read this
Historical claims show where NFIP-insured properties have actually filed. They under-count uninsured properties and don't forecast future risk from climate, upstream development, or new mitigation projects. For parcel-specific flood-zone designations, use FEMA's Map Service Center.
Data sources
Disclaimer. HomeRule is not a real estate agent, lender, appraiser, or financial advisor. This content is for educational and informational purposes only. Actual costs vary significantly by property, location, and individual circumstances. Consult qualified professionals for personalized advice.