NJ Flood Insurance Resources



A floodplain, or flood plain, is flat or nearly flat land adjacent to a stream or river that experiences occasional or periodic flooding. It includes the floodway, which consists of the stream channel and adjacent areas that carry flood flows, and the flood fringe, which are areas covered by the flood, but which do not experience a strong current.

Flood Insurance from FEMA Certified licensed agents in New Jersey.

New Jersey has 566 municipalities; New Jersey is broken up into 21 counties.  You will need to know your Floodplain in New Jersey.

Floodplains generally contain unconsolidated sediments, often extending below the bed of the stream. These are accumulations of sand, gravel, loam, silt, and/or clay, and are often important aquifers, the water being drawn from them being pre-filtered compared to the water in the stream.

Am I eligible for flood insurance?
You must live in a community that participates in the National Flood Insurance Program (NFIP) to qualify for National Flood Insurance. Find out if your community participates in the NFIP and the kinds of NFIP resources available in your community.

New Jersey Climate Overview

New Jersey has a temperate climate, with hot humid summers and cold winters. During the hurricane season, tropical cyclones can hit New Jersey, though it is uncommon for one to remain at hurricane strength so far to the north. During the winter months, Nor'easters can dump heavy amounts of precipitation across the state. Because of its dense population and because most communities of northern New Jersey do not have the widespread reservoir system of neighboring Greater New York City, the slightest dry season leads to drought warnings; but because there are many streams and rivers close to these communities, the slightest above average rainfall causes frequent flooding as many parts of Northern New Jersey are part of a flood plain.

New Jersey and surrounding areas

Atlantic Coastal Plain | Central Jersey | Delaware River Region | Delaware Valley | Gateway Region | Gold Coast | Highlands | Jersey Shore | Meadowlands | New York metro area | North Hudson | North Jersey | Pascack Valley | Piedmont | Pine Barrens | Raritan Bayshore | Ridge‑and‑valley Appalachians | Shore Region | Skylands Region | South Jersey | Tri‑State Region