Enter any New Jersey address to see its FEMA flood zone designation
New Jersey's 130-mile coastline and low-lying coastal areas face significant flood risk from nor'easters, hurricanes, and tidal flooding. The state was severely impacted by Hurricane Sandy.
FEMA designates flood zones across New Jersey using the following classifications:
AE High Risk — 1% annual chance of flooding (100-year floodplain). Insurance required for federal mortgages.
VE Very High Risk — Coastal flooding with wave action. Strictest building codes.
X (Shaded) Moderate Risk — 500-year floodplain. Insurance recommended.
X Low Risk — Outside major floodplains. Insurance optional but advisable — 20%+ of NFIP claims come from low-risk zones.
Properties in New Jersey FEMA-designated Special Flood Hazard Areas (zones A and V) with federally backed mortgages are required to carry flood insurance through the National Flood Insurance Program (NFIP).
Even outside high-risk zones, flood insurance is recommended. NFIP claims data shows that over 20% of claims nationwide come from low and moderate-risk areas. New Jersey residents can purchase flood insurance through the NFIP or private insurers.
Visit FloodSmart.gov to find an agent and get a quote.
Select a county to view local flood zone data and disaster history:
Select a city to check flood zone information:
Pop. 9,137
Pop. 6,848
Pop. 5,132
Pop. 15,188
Pop. 8,513
Pop. 9,058
Pop. 38,497
Pop. 8,707
Pop. 16,920
Pop. 5,360
Pop. 7,075
Pop. 7,196
Pop. 71,686
Pop. 10,859
Pop. 5,569
Pop. 11,707
Pop. 5,907
Pop. 28,321
Pop. 7,489
Pop. 7,893
Pop. 9,473
Pop. 7,777
Pop. 8,778
Pop. 8,815
Pop. 11,988
Pop. 14,077
Pop. 27,263
Pop. 6,082
Pop. 7,716
Pop. 9,854
Pop. 10,734
Pop. 9,784
Pop. 9,743
Pop. 8,047
Pop. 9,027
Pop. 71,791
Pop. 5,573
Pop. 6,372
Pop. 7,841
Pop. 25,326
Pop. 9,212
Pop. 14,805
Pop. 8,807
Pop. 5,338
Pop. 25,693
Pop. 90,296
Pop. 8,594
Pop. 14,186
Pop. 18,609
Pop. 9,155
Pop. 8,426
Pop. 8,138
Pop. 18,460
Pop. 17,863
Pop. 7,637
Pop. 9,788
Pop. 69,612
Pop. 10,022
Pop. 13,597
Pop. 11,896
Pop. 14,336
Pop. 137,298
Pop. 21,422
Pop. 7,290
Pop. 29,308
Pop. 5,342
Pop. 6,269
Pop. 34,927
Pop. 15,025
Pop. 7,774
Pop. 6,392
Pop. 9,832
Pop. 12,585
Pop. 12,941
Pop. 5,274
Pop. 6,508
Pop. 40,191
Pop. 6,803
Pop. 11,079
Pop. 13,430
Pop. 12,538
Pop. 32,655
Pop. 23,149
Pop. 7,802
Pop. 12,133
Pop. 11,484
Pop. 6,594
Pop. 12,012
Pop. 12,017
Pop. 46,030
Pop. 10,248
Pop. 7,495
Pop. 12,550
Pop. 9,052
Pop. 12,679
Pop. 14,711
Pop. 19,450
Pop. 12,125
Pop. 19,637
Pop. 7,154
Pop. 15,072
Pop. 5,900
Pop. 22,214
Pop. 10,143
Pop. 60,419
Pop. 12,943
Pop. 14,362
Pop. 20,088
Pop. 5,783
Pop. 292,449
Pop. 9,755
Pop. 41,999
Pop. 9,989
Pop. 8,427
Pop. 7,204
Pop. 6,322
Pop. 9,966
Pop. 10,194
Pop. 10,232
Pop. 9,759
Pop. 69,398
Pop. 6,635
Pop. 9,304
Pop. 10,915
Pop. 7,060
Pop. 43,738
Pop. 21,641
Pop. 6,971
Pop. 10,987
Pop. 6,131
Pop. 26,206
Pop. 31,667
Pop. 5,345
Pop. 16,937
Pop. 8,050
Pop. 5,938
Pop. 10,953
Pop. 5,317
Pop. 10,594
Pop. 12,147
Pop. 9,565
Pop. 5,603
Pop. 10,080
Pop. 9,758
Pop. 13,447
Pop. 15,049
Pop. 14,636
Pop. 7,014
Pop. 7,037
Pop. 27,491
Pop. 8,895
Pop. 8,436
Pop. 14,240
Pop. 6,203
Pop. 6,153
Pop. 20,180
Pop. 5,909
Pop. 7,020
Pop. 8,301
Pop. 5,224
Pop. 55,266
Pop. 16,923
Pop. 13,650
Pop. 311,549
Pop. 8,374
Pop. 16,457
Pop. 6,694
Pop. 8,927
Pop. 22,808
Pop. 8,434
Pop. 5,641
Pop. 10,996
Pop. 12,748
Pop. 18,185
Pop. 11,229
Pop. 6,150
Pop. 27,210
Pop. 5,888
Pop. 8,244
Pop. 6,261
Pop. 20,292
Pop. 7,438
Pop. 26,698
Pop. 8,883
Pop. 22,778
Pop. 70,537
Pop. 159,732
Pop. 6,196
Pop. 12,043
Pop. 55,436
Pop. 15,249
Pop. 5,675
Pop. 10,743
Pop. 8,913
Pop. 8,780
Pop. 54,586
Pop. 20,629
Pop. 18,941
Pop. 7,416
Pop. 11,127
Pop. 11,144
Pop. 18,487
Pop. 30,681
Pop. 14,776
Pop. 6,372
Pop. 29,556
Pop. 6,655
Pop. 14,798
Pop. 6,329
Pop. 7,835
Pop. 12,936
Pop. 11,501
Pop. 13,224
Pop. 25,979
Pop. 11,735
Pop. 12,049
Pop. 11,399
Pop. 6,598
Pop. 6,299
Pop. 22,695
Pop. 13,967
Pop. 7,343
Pop. 8,324
Pop. 18,834
Pop. 5,296
Pop. 45,345
Pop. 22,181
Pop. 14,422
Pop. 45,084
Pop. 9,754
Pop. 5,566
Pop. 10,469
Pop. 22,968
Pop. 12,346
Pop. 9,411
Pop. 24,338
Pop. 16,118
Pop. 8,163
Pop. 14,811
Pop. 6,981
Pop. 7,225
Pop. 10,338
Pop. 22,719
Pop. 15,409
Pop. 11,410
Pop. 19,181
Pop. 92,830
Pop. 11,065
Pop. 5,624
Pop. 90,871
Pop. 5,081
Pop. 7,787
Pop. 5,723
Pop. 68,589
Pop. 13,146
Pop. 8,353
Pop. 5,251
Pop. 9,210
Pop. 9,134
Pop. 60,780
Pop. 10,058
Pop. 11,868
Pop. 11,317
Pop. 7,299
Pop. 6,449
Pop. 8,078
Pop. 13,596
Pop. 8,587
Pop. 52,912
Pop. 31,032
Pop. 13,726
Pop. 11,282
Pop. 7,241
Pop. 8,863
Pop. 9,791
Pop. 8,710
Pop. 5,157
Pop. 15,082
Pop. 10,137
Pop. 19,839
Pop. 9,963
Pop. 6,128
Pop. 13,484
Pop. 6,965
Pop. 6,617