Flood insurance cost in Bergen County, New Jersey
In Bergen County, New Jersey, the lowest private flood insurance quote ran $1,175 a year and the typical private quote ran $2,856. The NFIP quote ran $3,012.
Private and NFIP quotes compared
Where a property was quoted both ways, the lowest private quote came in a median 62% below the NFIP quote, and private was the cheaper option for 87% of those 70 properties. The typical private quote came in 4% below NFIP.
Median annual premiums from 844 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 A, AE, AH and AO (high risk) | $1,633 | $4,099 | $3,387 | 511 |
| Residential properties | $1,146 | $2,856 | $2,931 | 832 |
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 Bergen County, New Jersey?
- From Oct 2024 to Oct 2026, the typical private flood insurance quote in Bergen County, New Jersey was $2,856 a year and the lowest private quote a property received was $1,175. NFIP quotes ran $3,012. 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 Bergen County, New Jersey?
- Where a property was quoted both ways, the lowest private quote came in a median 62% below the NFIP quote, and private was the cheaper option for 87% of those 70 properties. The typical private quote came in 4% below NFIP.
- Where do these numbers come from?
- From 844 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.