Bergen County flood history
New Jersey · From FEMA's flood insurance and disaster data · Updated 2026-10-08
FEMA's National Flood Insurance Program (NFIP) data lists 14,477 flood insurance claims in Bergen County, New Jersey since 1978. The NFIP paid $432.4 million on them (building, contents and Increased Cost of Compliance payments, in the dollars of the year paid).
The year with the most claims was 2011, with 3,686, mostly from Hurricane Irene.
In the last ten years (2017–2026) there were 2,355 claims, and the average paid claim was $48,125.
17% of the claims with a recorded flood zone came from buildings outside FEMA's high-risk zones (rated zones B, C and X).
About 2.2% of homes in Bergen County, New Jersey had an NFIP flood policy in FEMA's latest count (5,724 of 254,586 residential buildings). In the high-risk flood zones (Special Flood Hazard Areas), it was 41% (4,203 of 10,177).
Since 2000, FEMA has made 3 flood-related disaster declarations covering Bergen County, New Jersey. The most recent was DR-1897-NJ (Severe Storms and Flooding), declared April 2, 2010.
NFIP claims by year
Show as a table
| Year | Claims | Paid |
|---|---|---|
| 2026 | 14 | $46,600 |
| 2025 | 23 | $921,205 |
| 2024 | 140 | $5.6 million |
| 2023 | 146 | $2.8 million |
| 2022 | 87 | $2.2 million |
| 2021 | 1,803 | $79.0 million |
| 2020 | 21 | $275,149 |
| 2019 | 18 | $332,551 |
| 2018 | 78 | $3.3 million |
| 2017 | 25 | $1.7 million |
| 2016 | 8 | $2,398 |
| 2015 | 16 | $199,483 |
| 2014 | 33 | $1.2 million |
| 2013 | 30 | $176,209 |
| 2012 | 2,090 | $129.8 million |
| 2011 | 3,686 | $105.5 million |
| 2010 | 271 | $2.8 million |
| 2009 | 29 | $383,657 |
| 2008 | 26 | $105,952 |
| 2007 | 1,548 | $41.3 million |
| 2006 | 45 | $190,433 |
| 2005 | 219 | $3.1 million |
| 2004 | 90 | $936,150 |
| 2003 | 40 | $641,913 |
| 2002 | 14 | $102,725 |
| 2001 | 21 | $272,299 |
| 2000 | 16 | $87,759 |
| 1999 | 1,830 | $36.9 million |
| 1998 | 14 | $62,967 |
| 1997 | 39 | $709,116 |
| 1996 | 117 | $1.7 million |
| 1995 | 24 | $64,865 |
| 1994 | 23 | $27,309 |
| 1993 | 15 | $4,205 |
| 1992 | 228 | $3.1 million |
| 1991 | 34 | $471,461 |
| 1990 | 46 | $869,005 |
| 1989 | 103 | $408,962 |
| 1988 | 3 | $0 |
| 1987 | 63 | $168,410 |
| 1986 | 16 | $31,001 |
| 1985 | 31 | $179,457 |
| 1984 | 491 | $2.6 million |
| 1983 | 188 | $319,690 |
| 1982 | 48 | $72,453 |
| 1981 | 60 | $209,928 |
| 1980 | 154 | $288,946 |
| 1979 | 345 | $681,212 |
| 1978 | 68 | $343,307 |
Named flood events
| Event | Year | Claims | Paid |
|---|---|---|---|
| Hurricane Sandy | 2012 | 2,072 | $129.7 million |
| Hurricane Irene | 2011 | 3,140 | $99.6 million |
| Hurricane Ida | 2021 | 1,707 | $77.1 million |
| April 2007 Nor'easter | 2007 | 1,463 | $40.3 million |
| Hurricane Floyd | 1999 | 1,757 | $35.9 million |
| December Storm - Nor'easter | 1992 | 213 | $3.1 million |
| March 2010 Nor'easter | 2010 | 248 | $2.6 million |
| December Nor'easter | 2023 | 109 | $2.5 million |
How many homes have flood insurance
FEMA counts 5,724 residential NFIP policies in Bergen County, against 254,586 residential buildings (2.2%). Of the 10,177 residential buildings in high-risk flood zones (Special Flood Hazard Areas), 4,203 have an NFIP policy (41%). Private flood policies aren't in these counts.
Whether you're required to carry flood insurance depends on your flood zone and your mortgage. See do I need flood insurance?
Flood-related disaster declarations
| Declaration | Declared | Event | Help for individuals |
|---|---|---|---|
| DR-1897-NJ | Apr 2, 2010 | Severe Storms and Flooding | Yes |
| DR-1694-NJ | Apr 26, 2007 | Severe Storms and Inland and Coastal Flooding | Yes |
| DR-1588-NJ | Apr 19, 2005 | Severe Storms and Flooding | Yes |
Check your own address
County numbers can't tell you about a single building. Look up your property on FEMA's flood map, then read what your flood zone means. More counties: all of New Jersey.
Where these numbers come from
All figures on this page are calculated from FEMA's public OpenFEMA datasets:
- NFIP Redacted Claims (v3) (FEMA (OpenFEMA)): NFIP claims since 1978, downloaded 2026-10-08. Dollar amounts are what the NFIP paid, not adjusted for inflation. Claims filed under private flood insurance aren't included.
- NFIP Residential Penetration Rates (v1) (FEMA (OpenFEMA)): NFIP residential policy contracts in force (as of August 3, 2026) divided by FEMA's count of residential buildings from the National Structure Inventory. FEMA notes that inventory is incomplete in some counties, which can inflate the rate. Private flood policies aren't counted.
- Disaster Declarations Summaries (v2) (FEMA (OpenFEMA)): disaster declarations, downloaded 2026-10-08. We count a declaration as flood-related when FEMA lists flooding (or a dam or levee break) as its incident type or a designated incident type, or the declaration's title mentions flooding.
FEMA's redacted claims data doesn't identify properties, and FEMA notes that some records lack a county or flood zone. See how we use the data.