Flood insurance cost in New Jersey
In New Jersey, the lowest private flood insurance quote ran $1,029 a year and the typical private quote ran $2,617. The NFIP quote ran $2,765.
Private and NFIP quotes compared
Where a property was quoted both ways, the lowest private quote came in a median 56% below the NFIP quote, and private was the cheaper option for 79% of those 382 properties. The typical private quote came in 15% above NFIP.
Median annual premiums from 5,632 carrier quotes. Lowest is the cheapest private quote a property received, typical is the middle one.
By flood zone and property type
| Group | Lowest private | Typical private | NFIP | Carrier quotes |
|---|---|---|---|---|
| Zone X, B and C (moderate to low risk) | $529 | $833 | $1,894 | 1,272 |
| Zone A, AE, AH and AO (high risk) | $1,307 | $3,309 | $2,823 | 4,329 |
| Residential properties | $1,029 | $2,685 | $2,671 | 5,529 |
How quotes have moved since 2020
- Lowest private quote$659 in 2026
- Typical private quote$2,036 in 2026
- NFIP quote$2,808 in 2026
Dashed lines span years with too few quotes to report a figure.
* 2026 is still in progress and runs through the latest update.
| Year | Lowest private | Typical private | NFIP | Carrier quotes |
|---|---|---|---|---|
| 2020 | $1,675 | $3,018 | $3,615 | 3,178 |
| 2021 | $1,633 | $3,112 | $3,606 | 4,197 |
| 2022 | $1,841 | $3,343 | n/a | 1,356 |
| 2023 | $1,877 | $3,452 | n/a | 841 |
| 2024 | $1,451 | $4,516 | $2,541 | 2,061 |
| 2025 | $1,254 | $2,921 | $2,780 | 2,958 |
| 2026* | $659 | $2,036 | $2,808 | 2,193 |
Counties in New Jersey
| County | Lowest private | Typical private | NFIP | Lowest private vs NFIP | Carrier quotes |
|---|---|---|---|---|---|
| Bergen County | $1,175 | $2,856 | $3,012 | 62% lower | 844 |
| Ocean County | $1,027 | $2,138 | $2,541 | 61% lower | 709 |
| Union County | $569 | $1,253 | $3,588 | n/a | 497 |
| Monmouth County | $1,597 | $2,721 | $2,106 | 17% lower | 448 |
| Burlington County | $3,885 | $7,324 | $2,811 | 54% higher | 333 |
| Passaic County | $1,898 | $5,925 | n/a | n/a | 333 |
| Atlantic County | $690 | $2,073 | n/a | n/a | 238 |
Only places where at least 20 different properties were quoted in the period are listed.
See what your property is quoted
The index is a median. Your price depends on your flood zone, elevation and coverage. Compare NFIP and private carriers for your address.
Common questions
- How much does flood insurance cost in New Jersey?
- From Oct 2024 to Oct 2026, the typical private flood insurance quote in New Jersey was $2,617 a year and the lowest private quote a property received was $1,029. NFIP quotes ran $2,765. These are medians of quotes run through Insurox, not premiums paid, and your own price depends on your property.
- Is private flood insurance cheaper than NFIP in New Jersey?
- Where a property was quoted both ways, the lowest private quote came in a median 56% below the NFIP quote, and private was the cheaper option for 79% of those 382 properties. The typical private quote came in 15% above NFIP.
- How much does the flood zone change the price in New Jersey?
- Properties in high-risk A zones were quoted a typical $3,309 a year for private flood insurance, against $833 in moderate to low risk X zones. The lowest quotes ran $1,307 and $529.
- Where do these numbers come from?
- From 5,632 carrier quotes returned to property owners who asked for flood insurance quotes through Insurox between Oct 2024 to Oct 2026. A place is only published when at least 20 different properties were quoted there.
More about flood insurance in New Jersey
- Flood insurance in New Jersey: what it covers, who needs it and how to get quotes.
- NFIP (FEMA) flood insurance
- Private flood insurance
- Commercial flood insurance
These figures are statistics about quotes, not an offer of insurance. Read how the index is calculated or go back to the national index.