Enter any address in Cumberland County, New Jersey to see its FEMA flood zone
Coastal flooding, driven by storm surge and tidal influences, is a significant characteristic of Cumberland County, NJ. Recent events include coastal flooding in January 2024, where strong southerly winds pushed water up the Delaware Bay and through back bays, inundating roads and structures. In August 2025, storm surge from Hurricane Erin contributed to moderate to locally major high tide levels along the coast.
The National Flood Insurance Program (NFIP) data indicates that Zone A, representing areas with a 1% annual chance of flooding, has the highest number of claims, with an average payout of $18,933 and an average water depth of 2.4 feet. Properties in Zone V, which experiences higher velocity wave action, have seen the highest average payouts at $26,816 with an average water depth of 7.2 feet. Residents in coastal areas, along tidal waterways, and those in Zone A or V should pay particular attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
19 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Cumberland County, New Jersey has recorded 106 flood-related events since 1996 according to NOAA's Storm Events Database, including 31 flash floods and 31 river or area floods. The county has received 31 federal disaster declarations, 3 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 |
| Hurricane Sandy | Hurricane | Oct 26, 2012 |
| Severe Storms And Straight-line Winds | Severe Storm | Jun 30, 2012 |
| Hurricane Irene | Hurricane | Aug 27, 2011 |
| Severe Storms And Flooding | Severe Storm | Aug 13, 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 |
|---|---|---|
| Flood | Jul 31, 2025 | 0.00K |
| Coastal Flood | Aug 21, 2025 | — |
| Coastal Flood | Jan 13, 2024 | 0.00K |
| Coastal Flood | Apr 11, 2024 | 0.00K |
| Coastal Flood | Jan 10, 2024 | 0.00K |
| Coastal Flood | Mar 9, 2024 | 0.00K |
| Coastal Flood | Dec 23, 2022 | 0.00K |
| Coastal Flood | Apr 18, 2022 | 0.00K |
| Coastal Flood | Oct 29, 2021 | 0.00K |
| Flash Flood | Jul 10, 2020 | 0.00K |
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 — Jan 13, 2024
Strong south to southeast winds resulted in widespread tidal flooding for much of the coast line and tidal waterways. The strong southeast to south winds resulted in a push of water up the Delaware Bay/River and through the back bays of the Atlantic coast. The outcome was the tidal inundation of roads and structures.
Coastal Flood — Apr 11, 2024
High astronomical tides in addition to strong southerly flow resulted in higher water levels, mainly along the Delaware Bay and tidal Delaware River. However, some flooding was observed in the back bays as southerly flow prevented water from draining.
Coastal Flood — Jan 10, 2024
A strong system affected the region with steady southerly flow pushing water up into coastal communities both along the ocean and within the Delaware River/Bay and Chesapeake Bay. Water levels on the tidal Delaware River were higher due to 2 to 4+ inches of rainfall.
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 Cumberland 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 Cumberland 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.