Enter any address in Somerset County, New Jersey to see its FEMA flood zone
Flash flooding from thunderstorms is the dominant flood character in Somerset County. Over the last 30 years, the NOAA Storm Events Database recorded 133 flood events and 88 flash flood events. For example, flash flooding occurred on July 14, 2025, following showers and thunderstorms.
The National Flood Insurance Program (NFIP) has processed 3950 claims in Zone A, with an average payout of $39,827 and an average water depth of 7.6 feet. Claims in Zone X averaged $34,189 with 6.1 feet of water, while Zone X_SHADED saw average payouts of $28,877 with 9.0 feet of water.
Homeowners in Zone A, and those in Zone X_SHADED with 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.
27 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Somerset County, New Jersey has recorded 224 flood-related events since 1996 according to NOAA's Storm Events Database, including 88 flash floods and 133 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 | Mar 6, 2018 |
| 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 |
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 |
| Flood | Jul 14, 2025 | 0.00K |
| Flash Flood | Jul 14, 2025 | 15.00K |
| Flash Flood | Jul 14, 2025 | 0.00K |
| Flash Flood | Jul 14, 2025 | 30.00K |
| Flash Flood | Aug 18, 2024 | 0.00K |
| Flood | Jan 10, 2024 | 0.00K |
| Flood | Dec 28, 2023 | 0.00K |
| Flood | Dec 18, 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.
Flood — Jul 14, 2025
An approaching cold front sparked off showers and thunderstorms across the forecast area. Flash flooding resulted.
Flash Flood — Jul 14, 2025
An approaching cold front sparked off showers and thunderstorms across the forecast area. Flash flooding resulted.
Flash Flood — Aug 18, 2024
Waves of showers and thunderstorms ahead of a cold front produced widespread showers and thunderstorms. A few storms produced damaging wind gusts, knocking down trees and power lines across portions of 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 Somerset 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 Somerset 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.