How much is Flood Insurance in New Jersey?

Get an instant flood insurance quote online and see how much money you can save! is pleased to work with some of the nation's largest private flood insurers to provide you with coverage you can trust. Our quick quote tool assesses rates from numerous carriers in seconds to get you the best coverage for the lowest price. 


How much is Flood Insurance in New Jersey?

The average cost per policy in New Jersey through the NFIP is $883.78. Depending on where you live, this average could vary substantially! Depending on your deductibles, the cost of your home and contents, this also causes a wide range in premiums. Below, we've listed rates for several cities to give you an idea of flood insurance cost through the NFIP. If you're interested in a quote for a private flood insurance policy to compare costs, we offer a 100% online quote process.

Average Costs through the NFIP

Average Cost per Policy
Atlantic City
Jersey City
Little Ferry
Toms River

*Prices as of April, 2021.

How do I save money on Flood Insurance in New Jersey?

You may be able to save by getting a quote for private flood insurance instead of going through the NFIP. This is an entirely online process, no need to wait for a callback or an email! Once you've received your quote, compare it to what you'd pay through the NFIP. But don't just compare the costs, check what's covered by the NFIP so that if you try to submit a claim, you're not caught off-guard by what is, and isn't, covered.

Do I need flood insurance in New Jersey?

If you're not in a flood zone that requires flood insurance, it does not mean that your home is free from the risk of flooding. Hurricane Harvey, for example, caused massive flood damage in what were labeled as "low-risk" areas. 

If you're wondering if you're in a flood zone, or close to one, enter your address on our FEMA Flood Zone map lookup.

Does my homeowner insurance in New Jersey cover flooding?

Typically, your homeowner's insurance will be written through Allstate, Progressive, Farmers or possibly a State Farm agent. And typically, these all exclude flood coverage. Obtaining a flood insurance policy is typically left up to the homeowner. If you're looking to get a policy 100% online, you can get a quote started here!

What is not covered by the NFIP?

Damage not directly caused by flooding like damage to the actual land you live on, or damage to anything outside such as fences or cars, and much of what is in your basement, isn't covered. Visit their website to see everything that is, or isn't, covered by the NFIP.

If you'd like to be free from these limitations and have more options for coverage, consider getting flood insurance from a private company,

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