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Flood history · Rumson, NJ 07760

Flood insurance claims in Rumson, NJ 07760

2,928 claims since 1978 and $147.2 million paid. Here's what the public record shows, and how to check a specific address.

Check an address in 07760
2,928flood insurance claims since 1978
$147.2 millionpaid to policyholders
$61,166average paid claim
31claims in the last 10 years
5%of claims outside high-risk zones
#16of 623 New Jersey ZIP codes by claims

Claims by year

Every NFIP flood insurance claim reported in ZIP 07760 since 1978.

1978: 66 claims1979: 5 claims1980: 5 claims1983: 2 claims1984: 296 claims1985: 57 claims1986: 1 claims1987: 28 claims1988: 3 claims1989: 7 claims1990: 1 claims1991: 151 claims1992: 708 claims1993: 69 claims1994: 32 claims1995: 1 claims1996: 37 claims1997: 4 claims1998: 6 claims1999: 2 claims2000: 2 claims2001: 1 claims2002: 3 claims2003: 4 claims2004: 2 claims2005: 21 claims2006: 3 claims2007: 10 claims2008: 1 claims2009: 8 claims2010: 57 claims2011: 209 claims2012: 1081 claims2013: 5 claims2014: 2 claims2015: 1 claims2016: 6 claims2017: 8 claims2018: 3 claims2019: 2 claims2020: 1 claims2021: 5 claims2022: 4 claims2023: 1 claims2024: 6 claims2026: 1 claims19801990200020102020

What the record says

Almost all claims here (95%) 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, Hurricane Sandy, accounts for 36% of claims.

31 claims were filed in the last 10 years.

The most commonly recorded cause is tidal water overflow: coastal surge and high tides.

Sea Bright, Borough Of takes part in FEMA's Community Rating System (class 6), which can lower flood insurance premiums by up to 20% in high-risk zones.

Biggest flood events

EventYearClaimsShare
Hurricane Sandy20121,06836%
December Storm - Nor'easter199270224%
Unnamed flooding199841114%
Hurricane Irene20112007%
The "Halloween" Storm19911445%
March 2010 Nor'easter2010562%

Flood zone at time of claim

High-risk zones (A, V)95% · 2,775
Moderate or minimal risk (X, B, C)5% · 140
Zone not recorded0% · 13

NFIP communities

Sea Bright, Borough OfCRS class 6 · up to 20% off
Rumson, Borough OfParticipates in the NFIP
Middletown, Township OfCRS class 7 · up to 15% off
Monmouth Beach, Borough OfCRS class 8 · up to 10% 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 Rumson.

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

07732

Highlands

1,742 claims · $74.1 million paid

07750

Monmouth Beach

1,661 claims · $106.5 million paid

07739

Little Silver

400 claims · $33.6 million paid

07701

Red Bank

51 claims · $5.1 million paid

07757

Oceanport

965 claims · $58.6 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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