Enter any address in Middlesex County, New Jersey to see its FEMA flood zone
Flash flooding from thunderstorms is the most frequent flood event in Middlesex County, NJ, with 120 occurrences recorded by NOAA over the last 30 years. These events have also resulted in 3 fatalities. Coastal flooding and general flooding have also been recorded, with 48 and 34 events respectively. For example, flash flooding occurred in July and again in late July of 2025 due to weather fronts triggering showers and thunderstorms.
National Flood Insurance Program (NFIP) data shows that properties in Zone A have filed the most claims, with 3056 claims averaging $33,425 and a water depth of 5.5 feet. Properties in Zone X also show a significant number of claims. Homeowners in Zone A, as well as those in Zone X and X_SHADED which have experienced higher average water depths, should pay particular attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
40 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Middlesex County, New Jersey has recorded 214 flood-related events since 1996 according to NOAA's Storm Events Database, including 120 flash floods and 34 river or area floods. The county has received 30 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 |
| 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 Storm | Severe Storm | Oct 29, 2011 |
| Hurricane Irene | Hurricane | Aug 27, 2011 |
| Severe Winter Storm And Snowstorm | Snowstorm | Dec 26, 2010 |
| Severe Storms And Flooding | Severe Storm | Mar 12, 2010 |
| Severe Storms And Inland And Coastal Flooding | Severe Storm | Apr 14, 2007 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | Jul 31, 2025 | 0.00K |
| Flash Flood | May 14, 2025 | 0.00K |
| Flash Flood | May 14, 2025 | 10.00K |
| Flash Flood | Jul 14, 2025 | 0.00K |
| Coastal Flood | Jan 13, 2024 | 0.00K |
| Coastal Flood | Mar 9, 2024 | 0.00K |
| Flash Flood | Aug 6, 2024 | 0.00K |
| Flood | Dec 28, 2023 | 0.00K |
| Flood | Dec 18, 2023 | 0.00K |
| Flash Flood | Jul 16, 2023 | 0.00K |
Flash Flood — Jul 31, 2025
A stationary front sparked off showers and thunderstorms across the forecast area. Flash flooding resulted.
Flash Flood — May 14, 2025
Scattered thunderstorms producing heavy rain developed across the area on the afternoon of May 14.
Flash Flood — Jul 14, 2025
An approaching cold front sparked off showers and thunderstorms across the forecast area. Flash flooding resulted.
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 — Mar 9, 2024
A coastal storm moved through, bringing strong onshore flow, which resulted in water piling up along the coast and within back bays and tributaries. Moderate coastal flooding was observed.
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 Middlesex 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 Middlesex 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.