Car flooded along a fenced street

New Jersey Flood Insurance

Plymouth Rock Assurance can help secure flood insurance for your New Jersey home through the National Flood Insurance Program (NFIP). Whether you own or rent your home, flood insurance is a key consideration in protecting the assets you’ve worked hard to earn.

Check out the flood facts below, and then find a local agent for additional information or a quote in NJ.

Most homeowners insurance policies do not cover damage caused by flooding.

Only flood insurance policies cover physical damage to your property and possessions caused by flooding. This damage is not covered under homeowners insurance. NFIP offers up to $250,000 in flood insurance coverage for building property (your home) and up to $100,000 for personal contents (your belongings). Although these coverages fall under one policy, the coverages can be purchased separately, so that renters can obtain only personal contents coverage. If you are a homeowner looking to protect your home and belongings, be sure to request both coverages.

The risk is real.

It doesn’t take a major body of water or a significant storm to cause flooding. A flood can happen because of things like a slow-moving rainstorm, snow melt and land development runoff. High-risk areas have a 1-in-4 chance of flooding during a 30-year mortgage. And while moderate-to-low risk areas have a reduced risk of flooding, these areas are responsible for nearly 25% of flood insurance claims.

According to, just one inch of water in a 1,000-square-foot home can cause more than $10,000 in damage. That cost grows with the severity of the flood:

Estimated Cost of Flooding in a 1,000-Square-Foot Home

  • Four-foot flood - $39,950
  • One-foot flood - $27,150
  • Six-inch flood - $20,150
  • One-inch flood - $10,600

When available, federal disaster assistance can cost more than a flood insurance policy.

Federal disaster assistance is not insurance. It is only available when a disaster is federally declared, and usually comes in the form of a loan with interest. A flood insurance policy is often the less expensive option and you can read more about the importance of getting a policy.

The best time to buy a policy in New Jersey is now.

There is typically a 30-day waiting period before a policy takes effect after purchase.

Give us a call at 855-993-4470 if you'd like additional information about New Jersey flood insurance, or use our email form and Contact Us today.

Read our important disclaimer.