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Flood history · Wayne, NJ 07470

Flood insurance claims in Wayne, NJ 07470

6,425 claims since 1978 and $122.8 million paid. Here's what the public record shows, and how to check a specific address.

Check an address in 07470
6,425flood insurance claims since 1978
$122.8 millionpaid to policyholders
$22,015average paid claim
240claims in the last 10 years
3%of claims outside high-risk zones
#4of 623 New Jersey ZIP codes by claims

Claims by year

Every NFIP flood insurance claim reported in ZIP 07470 since 1978.

1978: 111 claims1979: 191 claims1980: 324 claims1981: 8 claims1982: 3 claims1983: 345 claims1984: 604 claims1985: 2 claims1986: 9 claims1987: 238 claims1988: 3 claims1989: 213 claims1990: 8 claims1991: 2 claims1992: 10 claims1993: 51 claims1994: 7 claims1995: 1 claims1996: 110 claims1997: 3 claims1998: 68 claims1999: 447 claims2000: 1 claims2001: 2 claims2003: 33 claims2004: 4 claims2005: 581 claims2006: 6 claims2007: 582 claims2008: 14 claims2009: 4 claims2010: 627 claims2011: 1551 claims2012: 8 claims2014: 10 claims2016: 4 claims2018: 17 claims2020: 1 claims2021: 85 claims2022: 4 claims2023: 88 claims2024: 45 claims19801990200020102020

What the record says

Almost all claims here (97%) were on properties in high-risk zones (A or V). In those zones, federally regulated lenders require flood insurance.

Losses are spread across many events; the largest, Unnamed flooding, accounts for 17% of claims.

240 claims were filed in the last 10 years.

The most commonly recorded cause is rivers, streams or lakes overflowing.

Wayne, Township Of takes part in FEMA's Community Rating System (class 7), which can lower flood insurance premiums by up to 15% in high-risk zones.

Biggest flood events

EventYearClaimsShare
Unnamed flooding19871,06117%
Hurricane Irene201180613%
March 2010 Nor'easter201062410%
April 2007 Nor'easter20075629%
Late winter storms20115529%
Hurricane Floyd19994297%

Flood zone at time of claim

High-risk zones (A, V)96% · 6,150
Moderate or minimal risk (X, B, C)3% · 209
Undetermined (D)0% · 14
Zone not recorded1% · 52

NFIP communities

Wayne, Township OfCRS class 7 · up to 15% off

Federal disaster declarations in Passaic County

Flood, hurricane and storm declarations since 2000.

Remnants Of Hurricane IdaHurricane · Major disaster · 2021-09-05
Remnants Of Hurricane IdaHurricane · Emergency · 2021-09-02
Severe Winter Storm And SnowstormSevere Storm · Major disaster · 2018-06-08
Hurricane SandyHurricane · Major disaster · 2012-10-30
Hurricane SandyHurricane · Emergency · 2012-10-28
Severe StormSevere Storm · Major disaster · 2011-11-30

13 flood, storm or hurricane declarations for Passaic County since 2000.

Check a specific address in Wayne.

ZIP-level history is the backdrop. See the official FEMA flood zone, ground elevation and next steps for one property, free.

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Nearby New Jersey ZIP codes

07440

Pequannock

1,428 claims · $34.7 million paid

07444

Pompton Plains

836 claims · $32.0 million paid

07035

Lincoln Park

3,380 claims · $66.2 million paid

07512

Totowa

548 claims · $8.9 million paid

07508

Haledon

61 claims · $471,382 paid

07502

Paterson

432 claims · $3.0 million paid

Sources: FEMA OpenFEMA NFIP Redacted Claims (v3) and Disaster Declarations Summaries, FEMA NFIP Community Status Book; place names from GeoNames (CC BY 4.0). Data as of 2026-10-09. Payments are net building + contents payments in dollars at the time paid, not adjusted for inflation. Claims are grouped by the ZIP code reported on the claim. This product uses the FEMA OpenFEMA API but is not endorsed by FEMA. Information only; not an official flood zone determination or insurance advice.

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