New Jersey Flood Insurance

NJ Flood Zone Info

You can start a New Jersey Flood Insurance quote by clicking here.

Flood Zones in New Jersey

The Federal Emergency Management Agency (FEMA) defines areas according to varying levels of flood risk.

 A Flood Insurance Rate Map (FIRM) for a community shows those areas or zones for that community.

Communities have to participate in the National Flood Insurance Program (NFIP) before residents or businesses can purchase flood insurance.

Most municipalities in New Jersey are participants in the NFIP program. 


Call us at
1-800-548-2329
for more information or continue down the page.  

For a link to a NJ.com article discussing the 2013 FEMA proposal for new flood maps in NJ, click here.


Flood Zone Descriptions:

Low to Moderate Risk.  
These can be above the projected 500 year flood (Zones C and X (unshaded)) for minimal flood exposure.  Or between the projected 100 year and 500 year flood levels (Zones B and X shaded).  A flood (surface water affecting two or more acres or two or more properties, on usually dry areas, from any of several causes) can affect many unexpected places.  To start your quote, click here, give us some basic information and we'll help you get started.

High Risk.  
Zone A is an area with a 1% annual chance of flooding, 26% chance over 30 years.  No depth or Base Flood Elevation (BFE) is shown within these Zones. 

Zone AE is the base floodplain where BFEs are determined and shown.  This is shown on new Flood Insurance Risk Maps (FIRM).  Older FIRMs show the previous Zones A1 to A30.  BFEs are based on detailed analysis.


Zone AH has a 1% annual chance of shallow flooding, usually associated with a pond, with an average depth of 1 to 3 feet.  

Zone AO has a 1% annual chance of shallow flooding, associated with rivers and streams, with an average depth of 1 to 3 feet.

Zone AR is for an area with a temporary increase in flood risk.  Flood insurance is mandatory but rates are kept low.

Zone A99 is for an area which is protected by a Federal flood control system.  


High RIsk Coastal
Zone V has a 1% or greater annual chance of flooding, and additional risk of storm waves/surge.  There are no BFEs (Base Flood Elevations) in this Zone.

Zones VE and V1-30 have a 1% or greater annual chance of flooding, additional risk of storm waves/surge, and BFEs.

The Base Flood Elevation that applies to your property can make a huge difference in the price of Flood Insurance.  You can get a flood elevation certificate to see whether it will raise or lower the price.  Call us at 1-800-548-2329 if you would like to talk about elevation certificates (we will not get a commission or payment for referring you to an engineer); or if you would like to check flood insurance prices.  Click here to start a detailed flood quote for NJ; enter what you can and we'll help you finish the quote.

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