Enter any address in Atlantic County, New Jersey to see its FEMA flood zone
Coastal flooding is the dominant flood character in Atlantic County, NJ, with 128 recorded coastal flood events in the last 30 years. These events have resulted in two fatalities. For example, on October 12, 2025, a coastal storm caused moderate to major high tide levels along the coast and into back bays, with tidal flooding persisting over multiple high tide cycles. Another instance occurred on August 21, 2025, when storm surge from Hurricane Erin contributed to moderate to major high tide levels.
The National Flood Insurance Program has recorded 16,485 claims in Zone A, with an average payout of $23,224 and an average water depth of 2.4 feet. Properties in Zone A and Zone V, which are designated flood hazard areas, should pay the most attention to flood risk. Homeowners in Zone X_Shaded also experience significant claims, with an average payout of $21,957 and an average water depth of 2.6 feet, indicating that flood risk can extend beyond the most highly regulated zones.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
58 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Atlantic County, New Jersey has recorded 253 flood-related events since 1996 according to NOAA's Storm Events Database, including 40 flash floods and 39 river or area floods. The county has received 36 federal disaster declarations, 5 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1965–2021)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| Remnants Of Hurricane Ida | Hurricane | Sep 1, 2021 |
| Tropical Storm Isaias | Hurricane | Aug 4, 2020 |
| Covid-19 | Biological | Jan 20, 2020 |
| Covid-19 Pandemic | Biological | Jan 20, 2020 |
| Severe Winter Storm And Snowstorm | Severe Storm | Jan 22, 2016 |
| Severe Storm | Severe Storm | Jun 23, 2015 |
| Hurricane Sandy | Hurricane | Oct 26, 2012 |
| Severe Storms And Straight-line Winds | Severe Storm | Jun 30, 2012 |
| Hurricane Irene | Hurricane | Aug 27, 2011 |
| Severe Winter Storm And Snowstorm | Snowstorm | Dec 26, 2010 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | Jul 31, 2025 | 30.00K |
| Flash Flood | Jul 31, 2025 | 0.00K |
| Coastal Flood | Aug 21, 2025 | — |
| Coastal Flood | Oct 12, 2025 | — |
| Flash Flood | Jul 10, 2025 | 20.00K |
| Coastal Flood | Sep 20, 2024 | — |
| Coastal Flood | Oct 18, 2024 | — |
| Coastal Flood | Nov 15, 2024 | — |
| Coastal Flood | Jan 13, 2024 | 0.00K |
| Coastal Flood | Feb 13, 2024 | 0.00K |
Flash Flood — Jul 31, 2025
A stationary front sparked off showers and thunderstorms across the forecast area. Flash flooding resulted.
Coastal Flood — Aug 21, 2025
Storm surge from Hurricane Erin and an upcoming New Moon resulted in moderate to locally major high tide levels on the night of August 21, 2025 across coastal areas of New Jersey.
Coastal Flood — Oct 12, 2025
A powerful coastal storm sat off the New Jersey coast, with strong winds pushing water towards the shoreline and into the back bays of New Jersey. Moderate to locally major high tide levels were observed along the coast. Tidal flooding continued over multiple high tide cycles.
Flash Flood — Jul 10, 2025
Although low pressure and a cold front were moving east of the region, they were still close enough to cause heavy rain and flash flooding.
Coastal Flood — Sep 20, 2024
A prolonged period of onshore flow due to an offshore coastal storm + a full moon resulted in higher tides and moderate coastal flooding in some communities of coastal New Jersey.
Source: NOAA National Weather Service Storm Events Database.
Source: OpenFEMA NFIP Individual Claims (2.25M records analyzed).
FEMA assigns flood zone designations to areas in Atlantic County, New Jersey:
AE High Risk — 1% annual chance of flooding. Insurance required.
VE Very High Risk — Coastal flooding with wave action.
X (Shaded) Moderate Risk — 500-year floodplain.
X Low Risk — Outside major floodplains.
Properties in Atlantic County, New Jersey that are in FEMA-designated Special Flood Hazard Areas (zones A and V) with federally backed mortgages are required to carry flood insurance.
Even outside high-risk zones, flood insurance is recommended. From 2014 to 2024, nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area.
Visit FloodSmart.gov to find an agent and get a quote.