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Flood history · Highlands, NJ 07732

Flood insurance claims in Highlands, NJ 07732

1,742 claims since 1978 and $74.1 million paid. Here's what the public record shows, and how to check a specific address.

Check an address in 07732
1,742flood insurance claims since 1978
$74.1 millionpaid to policyholders
$48,576average paid claim
16claims in the last 10 years
2%of claims outside high-risk zones
#29of 623 New Jersey ZIP codes by claims

Claims by year

Every NFIP flood insurance claim reported in ZIP 07732 since 1978.

1978: 7 claims1980: 2 claims1981: 1 claims1983: 1 claims1984: 148 claims1985: 8 claims1987: 10 claims1989: 1 claims1991: 23 claims1992: 394 claims1993: 3 claims1994: 3 claims1996: 11 claims1998: 4 claims1999: 3 claims2003: 2 claims2004: 1 claims2005: 7 claims2006: 1 claims2007: 2 claims2009: 1 claims2010: 17 claims2011: 281 claims2012: 790 claims2013: 3 claims2015: 2 claims2017: 1 claims2018: 1 claims2019: 1 claims2020: 1 claims2022: 7 claims2023: 5 claims19801990200020102020

What the record says

Almost all claims here (98%) were on properties in high-risk zones (A or V). In those zones, federally regulated lenders require flood insurance.

One event dominates the record: Hurricane Sandy accounts for 45% of all claims in this ZIP code.

16 claims were filed in the last 10 years.

The most commonly recorded cause is heavy rain or snowmelt collecting faster than it drains, which can happen far from any river or coast.

Keansburg, Borough 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
Hurricane Sandy201278645%
December Storm - Nor'easter199239223%
Hurricane Irene201127516%
Unnamed flooding19841599%
The "Halloween" Storm1991231%
March 2010 Nor'easter2010161%

Flood zone at time of claim

High-risk zones (A, V)98% · 1,699
Moderate or minimal risk (X, B, C)2% · 39
Zone not recorded0% · 4

NFIP communities

Highlands, Borough OfParticipates in the NFIP
Freehold, Township OfParticipates in the NFIP
Keansburg, Borough OfCRS class 7 · up to 15% off

Federal disaster declarations in Monmouth 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
Tropical Storm IsaiasHurricane · Major disaster · 2020-12-11
Severe Winter Storm And SnowstormSevere Storm · Major disaster · 2016-03-14
Hurricane SandyHurricane · Major disaster · 2012-10-30
Hurricane SandyHurricane · Emergency · 2012-10-28

10 flood, storm or hurricane declarations for Monmouth County since 2000.

Check a specific address in Highlands.

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

07716

Atlantic Highlands

90 claims · $3.7 million paid

07760

Rumson

2,928 claims · $147.2 million paid

07737

Leonardo

181 claims · $6.1 million paid

07750

Monmouth Beach

1,661 claims · $106.5 million paid

07701

Red Bank

51 claims · $5.1 million paid

07718

Belford

279 claims · $7.9 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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