Middletown, NJ Flood Zone Lookup
Last updated: March 2026
Middletown faces flooding from the Navesink River and Sandy Hook Bay in Monmouth County. Hurricane Sandy caused extensive storm surge damage along the township's bayshore communities.
Monmouth County has recorded 19,974 NFIP flood insurance claims since 1978, totaling $896.0M 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
22,864
Monmouth County
Avg. Premium
$941/yr
Monmouth County
FEMA Flood Risk Profile: Monmouth 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 HighEst. annual loss: $109.6M
Coastal Flood Risk
Relatively HighEst. annual loss: $7.6M
Hurricane Risk
Relatively ModerateEst. annual loss: $16.9M
Source: FEMA National Risk Index, county-level assessment. Individual property risk may vary.
Federal Flood Disaster History: Monmouth County
Monmouth County has been included in 14 federal flood-related disaster declarations.
...and 6 earlier declarations since 1971.
These declarations affected communities across Monmouth County, including Middletown.
Source: OpenFEMA Disaster Declarations Summaries API. Data sourced February 2026.
NFIP Flood Insurance Claims: Monmouth County
Properties in Monmouth County have filed 19,974 NFIP flood insurance claims totaling $896.0M in payouts since 1978. The average claim payout is $45K.
Highest-Claim Years
2012
10,109 claims - $781.0M
1992
3,456 claims - $54.0M
2011
1,781 claims - $27.9M
Claims by Flood Zone
Source: OpenFEMA NFIP Claims API. Data sourced March 2026. See national claims data.
Flood Insurance Coverage: Monmouth County
Only roughly 1 in 11 households in Monmouth County carries NFIP flood insurance (9% of estimated households). This county has elevated flood risk with below-average insurance coverage, meaning many flood losses may go uninsured.
Penetration Rate
9%
roughly 1 in 11 households
Historical Claims Ratio
1 in 1
19,974 claims over 45+ years across 22,864 current policies
Avg. Claim Payout
$44,860
Per claim, county-wide since 1978
Historically, Monmouth County has averaged 1 claim for every active policy (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 Middletown.
What Your Flood Zone Means in Middletown
Middletown faces a combination of coastal and inland flood risks. Storm surge from hurricanes and tropical storms pushes seawater inland, while heavy rainfall simultaneously overwhelms rivers, bayous, and drainage infrastructure. This dual threat means flooding can come from multiple directions at once. The most common FEMA flood zone designations in Middletown are Zone AE, Zone VE, Zone X. FEMA's National Risk Index estimates the county's annual expected loss from inland flooding at over $109.6M. Properties in Middletown's VE zones face additional wave action risk beyond still-water flooding, which typically results in higher insurance premiums and stricter building requirements.
Combined coastal and inland flood exposure in Middletown means properties may face higher premiums than areas with only one flood source. FEMA's Risk Rating 2.0 accounts for multiple flood sources, including coastal surge distance, river proximity, and rainfall-driven 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.
Flood maps in areas with combined coastal and inland risk are among the most complex in the FEMA system. Major storms often trigger FEMA restudies that can significantly shift zone boundaries. Letters of Map Revision (LOMR) after hurricanes may expand SFHA coverage as new storm data is incorporated. Use our free lookup tool to check the current flood zone for any Middletown address.
Repetitive Loss Properties: Monmouth County
Monmouth County has 1,389 properties with multiple flood insurance losses, including 155 severe repetitive loss properties. 106 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
1,389
2+ claims within 10 years
Severe Repetitive Loss
155
4+ claims or 2 exceeding value
Mitigated
106
Received FEMA mitigation
By Flood Zone
Zone data available for 1,378 of 1,389 properties.
Source: OpenFEMA NFIP Multiple Loss Properties. Data sourced March 2026.
Recorded Flood Events: Monmouth County
NOAA has recorded 122 flood events in Monmouth County since 1996, causing $31.1M in damage.
Costliest Events
Events by Type
Source: NOAA Storm Events Database, 1996-2026. Data sourced March 2026.
Flood Mitigation: Monmouth County
FEMA has funded mitigation for 926 properties in Monmouth County, investing $1.6M 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: Middletown
Middletown 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 7
SFHA Premium Discount
15% off
CRS classes range from 1 (best) to 10 (no discount). Middletown's Class 7 rating means NFIP policyholders in the SFHA can receive up to a 15% discount on their flood insurance premiums. Properties outside the SFHA may receive a 5% discount.
Source: FEMA Community Rating System, April 2026. Discounts apply to NFIP policies only.
Middletown, NJ Flood Zone FAQ
What flood zones are in Middletown, NJ?
The most common FEMA flood zones in Middletown are Zone AE, Zone VE, 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 Middletown?
If your Middletown 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 Middletown?
Enter your Middletown 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 Middletown offer flood insurance discounts?
Yes. Middletown participates in FEMA's Community Rating System (CRS) with a Class 7 rating, qualifying residents in the Special Flood Hazard Area for up to a 15% discount on NFIP flood insurance premiums. Properties outside the SFHA may receive a 5% discount.
Has Middletown experienced major flooding events?
Monmouth County, where Middletown is located, has been part of 14 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 Middletown?
Monmouth County has recorded 19,974 NFIP flood insurance claims totaling $896.0M in payouts since 1978. The year with the most claims was 2012, with 10,109 claims and $781.0M in payouts. These figures cover all NFIP claims in the county, including Middletown.
How many flood insurance policies are active in Middletown?
Monmouth County currently has 22,864 active NFIP flood insurance policies with an average annual premium of $941. The most policies are in Zone AE (14,470 policies). These figures cover all active NFIP policies in the county.
How many Middletown properties have flooded repeatedly?
Monmouth County has 1,389 properties with multiple flood losses on record, including 155 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 Middletown 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 Middletown?
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 Middletown's Zone AE and Zone VE 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
Understanding Flood Zones
Look Up Any Middletown, 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.