Cape May, NJ Flood Zone Lookup
Last updated: March 2026
Cape May sits at the southern tip of New Jersey where the Delaware Bay meets the Atlantic Ocean, exposing this Victorian seaside city to storm surge from two directions. The city holds a CRS Class 5 rating, reflecting proactive floodplain management in a community where coastal flooding threatens both the historic district and beachfront properties.
Cape May County has recorded 28,013 NFIP flood insurance claims since 1978, totaling $404.8M in payouts. Explore the full NFIP claims data by state and county to see how this area compares nationally.
FEMA Region
Region 2
NFIP Policies
56,076
Cape May County
Avg. Premium
$765/yr
Cape May County
FEMA Flood Risk Profile: Cape May County
Based on FEMA's National Risk Index, which evaluates flood risk at the county level using historical loss data, exposure, and vulnerability.
Inland Flood Risk
Relatively ModerateEst. annual loss: $38.9M
Coastal Flood Risk
Very HighEst. annual loss: $30.7M
Hurricane Risk
Relatively ModerateEst. annual loss: $14.2M
Source: FEMA National Risk Index, county-level assessment. Individual property risk may vary.
Federal Flood Disaster History: Cape May County
Cape May County has been included in 16 federal flood-related disaster declarations.
...and 8 earlier declarations since 1971.
These declarations affected communities across Cape May County, including Cape May.
Source: OpenFEMA Disaster Declarations Summaries API. Data sourced February 2026.
NFIP Flood Insurance Claims: Cape May County
Properties in Cape May County have filed 28,013 NFIP flood insurance claims totaling $404.8M in payouts since 1978. The average claim payout is $14K.
Highest-Claim Years
2012
10,138 claims - $267.3M
1992
4,913 claims - $41.2M
1984
2,087 claims - $7.9M
Claims by Flood Zone
Source: OpenFEMA NFIP Claims API. Data sourced March 2026. See national claims data.
Flood Insurance Coverage: Cape May County
Only nearly all households in Cape May County carries NFIP flood insurance (100% of estimated households).
Penetration Rate
100%
nearly all households
Historical Claims Ratio
1 in 2
28,013 claims over 45+ years across 56,076 current policies
Avg. Claim Payout
$14,450
Per claim, county-wide since 1978
Historically, Cape May County has averaged 1 claim for every 2 active policies (since 1978). This compares cumulative claims against today's policy count and does not predict future claim likelihood.
Coverage data: NFIP policies as of March 2026, claims since 1978 (March 2026), population from FEMA NRI. All figures are county-wide and include Cape May.
What Your Flood Zone Means in Cape May
Cape May is primarily at risk from coastal flooding, including hurricane storm surge, tidal flooding, and wave action. Coastal storms can push seawater inland with little warning, and properties in VE (Velocity) zones face the most severe exposure to breaking waves. The most common FEMA flood zone designations in Cape May are Zone VE, Zone AE, Zone X. FEMA's National Risk Index estimates the county's annual expected loss from inland flooding at over $38.9M. The county is rated "Very High" for coastal flood risk by FEMA's National Risk Index. Properties in Cape May's VE zones face additional wave action risk beyond still-water flooding, which typically results in higher insurance premiums and stricter building requirements.
Coastal flood insurance premiums in Cape May are typically higher than inland areas due to the destructive force of storm surge and wave action. Properties in VE zones face the highest premiums because wave damage compounds the risk beyond still-water flooding. If your property is in a Special Flood Hazard Area (SFHA) and you have a federally regulated or government-backed mortgage, federal law generally requires your lender to ensure you carry flood insurance.
Coastal flood maps are among the most frequently updated in the FEMA system, as shoreline erosion and new storm surge modeling refine the boundaries. Letters of Map Revision (LOMR) may shift VE and AE zone boundaries after major storms or updated coastal studies. Use our free lookup tool to check the current flood zone for any Cape May address.
Repetitive Loss Properties: Cape May County
Cape May County has 2,450 properties with multiple flood insurance losses, including 395 severe repetitive loss properties. 160 properties have received FEMA mitigation funding. Severe repetitive loss is a subset of multiple loss, not a separate count. Data sourced March 2026.
Multiple Loss
2,450
2+ claims within 10 years
Severe Repetitive Loss
395
4+ claims or 2 exceeding value
Mitigated
160
Received FEMA mitigation
By Flood Zone
Zone data available for 2,446 of 2,450 properties.
Source: OpenFEMA NFIP Multiple Loss Properties. Data sourced March 2026.
Recorded Flood Events: Cape May County
NOAA has recorded 51 flood events in Cape May County since 1996, causing $5.7M in damage.
Costliest Events
Events by Type
Source: NOAA Storm Events Database, 1996-2026. Data sourced March 2026.
Flood Mitigation: Cape May County
FEMA has funded mitigation for 610 properties in Cape May County, investing $2.5M in flood risk reduction. Common mitigation actions include acquisition (buying and demolishing flood-prone structures), elevation (raising buildings above flood level), and safe rooms (wind/storm shelters for tornado and hurricane protection).
By Action Type
Source: OpenFEMA Hazard Mitigation Assistance. Data sourced March 2026.
Flood Insurance Discount: Cape May
Cape May participates in FEMA's Community Rating System (CRS), a voluntary program that rewards communities for flood mitigation efforts beyond minimum NFIP requirements. Residents in the Special Flood Hazard Area may qualify for reduced flood insurance premiums.
CRS Class
Class 5
SFHA Premium Discount
25% off
CRS classes range from 1 (best) to 10 (no discount). Cape May's Class 5 rating means NFIP policyholders in the SFHA can receive up to a 25% discount on their flood insurance premiums. Properties outside the SFHA may receive a 10% discount.
Source: FEMA Community Rating System, April 2026. Discounts apply to NFIP policies only.
Cape May, NJ Flood Zone FAQ
What flood zones are in Cape May, NJ?
The most common FEMA flood zones in Cape May are Zone VE, Zone AE, Zone X. Properties in these high-risk zones (SFHA) may require flood insurance with a federally regulated or government-backed mortgage.
Is flood insurance required in Cape May?
If your Cape May property is in a Special Flood Hazard Area (SFHA) and you have a federally regulated or government-backed mortgage, federal law generally requires your lender to ensure you carry flood insurance. Properties in Zone X are not federally required to carry flood insurance, though coverage is still recommended since over 40% of all NFIP flood claims come from Zone X properties.
How do I check my flood zone in Cape May?
Enter your Cape May address in the search tool above for an instant flood zone determination. Results include your FEMA flood zone, SFHA status, base flood elevation (if available), and FIRM panel information, pulled directly from FEMA's National Flood Hazard Layer.
Does Cape May offer flood insurance discounts?
Yes. Cape May participates in FEMA's Community Rating System (CRS) with a Class 5 rating, qualifying residents in the Special Flood Hazard Area for up to a 25% discount on NFIP flood insurance premiums. Properties outside the SFHA may receive a 10% discount.
Has Cape May experienced major flooding events?
Cape May County, where Cape May is located, has been part of 16 federal disaster declarations for flooding, hurricanes, or severe storms. The most recent was Remnants of Hurricane Ida in 2021. Federal disaster declarations are issued when flooding overwhelms local resources and triggers FEMA assistance programs.
How many flood insurance claims have been filed in Cape May?
Cape May County has recorded 28,013 NFIP flood insurance claims totaling $404.8M in payouts since 1978. The year with the most claims was 2012, with 10,138 claims and $267.3M in payouts. These figures cover all NFIP claims in the county, including Cape May.
How many flood insurance policies are active in Cape May?
Cape May County currently has 56,076 active NFIP flood insurance policies with an average annual premium of $765. The most policies are in Zone AE (47,205 policies). These figures cover all active NFIP policies in the county.
How many Cape May properties have flooded repeatedly?
Cape May County has 2,450 properties with multiple flood losses on record, including 395 severe repetitive loss properties. These are properties that have experienced four or more NFIP claims of $5,000+ or two claims exceeding the building value.
Can my Cape May property be removed from a high-risk flood zone?
Yes, if your property's natural ground elevation is above the Base Flood Elevation and FEMA inadvertently mapped it in a high-risk zone, you can apply for a Letter of Map Amendment (LOMA). A successful LOMA removes the property from the Special Flood Hazard Area, generally eliminating the federal mandatory flood insurance requirement. You will need an elevation certificate from a licensed surveyor. If a property was raised above the BFE with fill material, the process is a LOMR-F rather than a LOMA.
What is Base Flood Elevation in Cape May?
Base Flood Elevation (BFE) is the predicted height of floodwaters during a 1% annual chance (100-year) flood, shown on FEMA maps as an elevation number in feet above sea level. In Cape May's Zone VE and Zone AE areas, BFE lines appear on the FIRM as wavy contours labeled with elevation values. Properties with a lowest floor at or above the BFE typically qualify for significantly lower NFIP flood insurance premiums.
Other New Jersey Cities
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Look Up Any Cape May, NJ Address
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Disclaimer: Flood risk data on this page is sourced from FEMA datasets including the National Risk Index, NFIP claims and policy records, disaster declarations, and the Community Rating System. These datasets were last extracted on March 2026 and may not reflect the most recent changes. This page is for informational purposes only and is not a certified flood zone determination. Always verify current flood zone status through FEMA or a licensed determination provider before making property, insurance, or lending decisions.