This interactive map shows FEMA flood zones across New Jersey, drawn directly from the National Flood Hazard Layer (NFHL). New Jersey faces flood risk from two distinct sources: coastal storm surge and tidal flooding along its shoreline, plus inland (riverine) flooding from rivers, creeks, and heavy rainfall. Use the map to see Special Flood Hazard Areas, coastal V and VE zones (where applicable), the 500-year (Zone X) floodplain, and regulatory floodways – the data is identical to what underwrites the National Flood Insurance Program.

Flood risk overview for New Jersey

• Inland (riverine) flood risk: FEMA rates New Jersey as Relatively High, with an expected annual loss of $1.99 billion/year from rivers, creeks, and rainfall flooding.
• Coastal flood risk: FEMA rates New Jersey as Very High, with an expected annual loss of $146.4 million/year from storm surge and tidal flooding along the coast.
• Combined flood expected annual loss across New Jersey: $2.14 billion per year, based on FEMA’s December 2025 National Risk Index.
• Population in mapped flood-exposed areas: roughly 559,856 New Jersey residents in inland flood zones and 694,585 along the coast.
• Recorded historical flood events: 614 inland flood events in the NRI source record.

FEMA’s National Risk Index ratings range from Very Low through Very High. Ratings reflect the state’s expected annual economic loss from each hazard, normalised against the rest of the country.

Interactive map of New Jersey flood zones

The map below opens centred on New Jersey. FEMA flood zone polygons load at zoom level 11 and above – this is a hard limit set by the source dataset, which contains over 51 GB of polygon geometry. Use the +/- controls or scroll to zoom in until polygons appear, then pan to any address in the state. Click a polygon for the full zone designation, SFHA status, and base flood elevation where available.

New Jersey counties with the highest flood risk

FEMA’s National Risk Index aggregates flood loss expectations to the county level. The New Jersey counties below carry the largest combined inland + coastal expected annual loss from flooding:

Recent flood-related federal disaster declarations in New Jersey

Federal disaster declarations covering flood, severe storm, hurricane, and coastal storm events affecting New Jersey in the last decade. Each declaration unlocks federal Public Assistance, Individual Assistance, and Hazard Mitigation funding for the designated counties.

• DR-4725 (Aug 2023): Severe Storm And Flooding
• DR-4614 (Sep 2021): Remnants Of Hurricane Ida – 21 designated counties/areas
• DR-3573 (Sep 2021): Remnants Of Hurricane Ida – 21 designated counties/areas
• DR-4574 (Dec 2020): Tropical Storm Isaias – 11 designated counties/areas
• DR-4368 (Jun 2018): Severe Winter Storm And Snowstorm – 6 designated counties/areas

Source: OpenFEMA Disaster Declarations Summaries.

How to look up the FEMA flood zone for a New Jersey address

The map on this page is for general orientation. For an authoritative flood zone determination on any specific New Jersey property – which is what mortgage lenders, insurance underwriters, and permitting offices use – go to the FEMA Map Service Center, search by address, and download the effective Flood Insurance Rate Map (FIRM) or generate a FIRMette for that location. This is the only legally recognised flood zone determination in New Jersey.

Flood zone categories on the New Jersey map

• Floodway – the channel of a river plus floodplain that must remain clear to carry the base flood. Construction in floodways is severely restricted across New Jersey.
• Zone AE – the most common Special Flood Hazard Area in New Jersey. Has a published Base Flood Elevation. Mandatory flood insurance for federally backed mortgages.
• Zone A – SFHA without a published base flood elevation; common in less-studied parts of New Jersey. An engineer or surveyor must determine the elevation.
• Zone AH / AO – shallow flooding zones (1-3 ft of ponded water or sheet flow).
• Zone V / VE – coastal high-hazard areas with wave action. Coastal V and VE zones (the highest-risk category, with wave action) appear along the New Jersey shoreline.
• Zone X (shaded) – the 0.2% annual chance (500-year) floodplain. Insurance optional but risk is not zero.

Flood insurance in New Jersey

If a New Jersey property carries a federally backed mortgage and sits inside an SFHA zone (any A or V zone), flood insurance is mandatory. Properties outside the SFHA can buy NFIP coverage on a voluntary basis, often at a much lower premium. FEMA’s Risk Rating 2.0 system now prices NFIP premiums based on each individual property’s flood risk – distance to water, elevation, replacement cost – rather than zone alone, so two homes in the same zone can have very different premiums.

Frequently asked questions

What does “1% annual chance” mean for New Jersey flood zones?

A 1% annual chance flood (the “100-year flood”) has a 1% probability of occurring in any single year. Over a 30-year mortgage, that compounds to roughly a 26% probability of at least one such flood at the property. SFHA zones in New Jersey are defined by this 1% threshold.

How current are the New Jersey flood maps shown here?

The polygons come from FEMA’s National Flood Hazard Layer, which FEMA updates on a rolling basis as individual communities complete new flood studies. Some New Jersey communities have very recent maps; others may be running on FIRMs that are 10-20 years old. The effective date is shown in the FEMA Map Service Center for each panel.

Why is my New Jersey property not in a flood zone but still flooded?

FEMA flood maps cover riverine and coastal flooding from named flood sources. They do not show pluvial (urban surface-water) flooding from extreme rainfall, sewer back-up, or drainage failure. A significant fraction of US flood losses each year happen outside mapped SFHAs – which is why FEMA encourages flood insurance even for New Jersey properties in Zone X.

Flood zone maps for nearby states

• New York flood zones map
• Pennsylvania flood zones map
• Delaware flood zones map
• Connecticut flood zones map

Sources

• FEMA National Flood Hazard Layer – the source of all polygon geometry shown on the map.
• FEMA National Risk Index v1.20 (December 2025) – state and county expected annual loss figures.
• OpenFEMA Disaster Declarations Summaries – federal disaster declarations.
• FEMA Map Service Center – authoritative effective FIRM lookup.
• Mapscaping national FEMA Flood Zones map – the full US-wide version of this tool.