Data · July 2026 data · 15-month trend
New Jersey Flood Insurance Costs
Homeowners taking out or renewing NFIP flood coverage in New Jersey paid an average premium of $1,083 in July 2026. The state pays more than the country as a whole — 9.9% above the $986 national average. Costs have risen 9.9% year over year. In all, 18,353 policies were written or renewed across 21 counties that month, and Hunterdon County topped the county table at $3,350.
What we measure: Average premium among policies newly written or renewed that month (NFIP transactions) — not the official in-force average. OpenFEMA transaction data is published on a lag of roughly two months; the latest period shown reflects that lag.
Key facts — July 2026
- Average premium
- $1,083
- Avg total cost (with fees)
- $1,406
- Change (year over year)
- +9.9%
- vs national average
- +9.9%
- Policies written or renewed
- 18,353
- Counties reporting
- 21
New Jersey trend, last 15 months
Average premium among policies newly written or renewed each month. Bars scale to the highest month shown.
| Month | Avg premium | Premium relative to highest month | Avg total cost | Policies |
|---|---|---|---|---|
| May 2025 | $1,036 | $1,358 | 17,404 | |
| June 2025 | $1,033 | $1,356 | 17,286 | |
| July 2025 | $986 | $1,290 | 19,316 | |
| August 2025 | $1,050 | $1,372 | 18,643 | |
| September 2025 | $1,097 | $1,437 | 18,125 | |
| October 2025 | $1,108 | $1,451 | 17,139 | |
| November 2025 | $909 | $1,186 | 18,711 | |
| December 2025 | $1,085 | $1,416 | 14,870 | |
| January 2026 | $1,040 | $1,359 | 14,664 | |
| February 2026 | $1,090 | $1,420 | 13,222 | |
| March 2026 | $1,087 | $1,420 | 14,851 | |
| April 2026 | $1,228 | $1,595 | 14,533 | |
| May 2026 | $1,127 | $1,466 | 16,661 | |
| June 2026 | $1,121 | $1,459 | 16,752 | |
| July 2026 | $1,083 | $1,406 | 18,353 |
County breakdown — July 2026
Sorted by average premium, highest first. Rows labeled with a FIPS code are reporting areas without a matched county name. Watch the policy count before reading much into small-county averages.
| County | Avg premium | Premium relative to highest county | Avg total cost | Policies |
|---|---|---|---|---|
| Hunterdon County | $3,350 | $4,066 | 55 | |
| Warren County | $3,158 | $3,831 | 28 | |
| Passaic County | $2,453 | $3,020 | 302 | |
| Morris County | $2,324 | $2,880 | 294 | |
| Somerset County | $1,981 | $2,473 | 158 | |
| Sussex County | $1,853 | $2,320 | 22 | |
| Burlington County | $1,798 | $2,227 | 249 | |
| Essex County | $1,745 | $2,204 | 319 | |
| Middlesex County | $1,735 | $2,168 | 260 | |
| Bergen County | $1,726 | $2,150 | 818 | |
| Camden County | $1,723 | $2,199 | 106 | |
| Mercer County | $1,671 | $2,117 | 157 | |
| Union County | $1,556 | $1,941 | 438 | |
| Cumberland County | $1,393 | $1,805 | 50 | |
| Gloucester County | $1,271 | $1,620 | 79 | |
| Ocean County — June 2026 profile | $1,222 | $1,615 | 3,636 | |
| Salem County | $1,058 | $1,340 | 162 | |
| Monmouth County | $933 | $1,215 | 1,710 | |
| Hudson County | $814 | $1,023 | 2,243 | |
| Cape May County — June 2026 profile | $775 | $1,067 | 4,557 | |
| Atlantic County — June 2026 profile | $774 | $1,009 | 2,710 |
Use this data
Download New Jersey CSV (new-jersey.csv) — free to reuse with attribution. Read the full methodology for formulas, update cadence, and limitations. Source: FEMA OpenFEMA NFIP policy transaction data (NFIP Redacted Policies v3).
"New Jersey Flood Insurance Costs." Out of the Storm News Flood Insurance Cost Index, July 2026, based on FEMA OpenFEMA NFIP policy transaction data. https://outofthestormnews.com/flood-insurance/costs/new-jersey
Related guides
Compare county data, then use the editorial guides to understand how NFIP coverage and pricing work in practice.