Flood insurance cost in Essex County, New Jersey
In Essex County, New Jersey, the lowest private flood insurance quote ran $615 a year and the typical private quote ran $2,919. The NFIP quote ran $3,442.
Private and NFIP quotes compared
Where a property was quoted both ways, the lowest private quote came in a median 73% below the NFIP quote, and private was the cheaper option for 91% of those 23 properties. The typical private quote came in 9% above NFIP.
Median annual premiums from 319 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 |
|---|---|---|---|---|
| Residential properties | $1,313 | $3,641 | $2,068 | 240 |
See what your property is quoted
The index is a median. Your price depends on your flood zone, elevation and coverage. Insurox compares quotes from 35+ insurance companies, NFIP and private, for your address.
Common questions
- How much does flood insurance cost in Essex County, New Jersey?
- From Oct 2024 to Oct 2026, the typical private flood insurance quote in Essex County, New Jersey was $2,919 a year and the lowest private quote a property received was $615. NFIP quotes ran $3,442. 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 Essex County, New Jersey?
- Where a property was quoted both ways, the lowest private quote came in a median 73% below the NFIP quote, and private was the cheaper option for 91% of those 23 properties. The typical private quote came in 9% above NFIP.
- How often is the index updated?
- Every day. Each night the index is recalculated from the latest 24 months of quotes, so new quotes come in and the oldest drop out. These figures were last updated on October 9, 2026.
- Where do these numbers come from?
- From 319 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 cost calculator: an estimate for your ZIP code and flood zone, from the same quotes.
- Flood insurance in New Jersey: what it covers, who needs it and how to get quotes.
- NFIP (FEMA) flood insurance in New Jersey
- Private flood insurance in New Jersey
- Commercial flood insurance in New Jersey
These figures are statistics about quotes, not an offer of insurance. Read how the index is calculated or go back to the national index.