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Flood history · Cape May Court House, NJ 08210

Flood insurance claims in Cape May Court House, NJ 08210

423 claims since 1978 and $5.3 million paid. Here's what the public record shows, and how to check a specific address.

Check an address in 08210
423flood insurance claims since 1978
$5.3 millionpaid to policyholders
$15,314average paid claim
7claims in the last 10 years
8%of claims outside high-risk zones
#83of 623 New Jersey ZIP codes by claims

Claims by year

Every NFIP flood insurance claim reported in ZIP 08210 since 1978.

1978: 2 claims1979: 2 claims1980: 26 claims1981: 1 claims1982: 1 claims1984: 23 claims1985: 26 claims1986: 1 claims1987: 4 claims1990: 1 claims1991: 7 claims1992: 51 claims1993: 5 claims1994: 17 claims1995: 9 claims1996: 8 claims1997: 5 claims1998: 18 claims2000: 1 claims2003: 7 claims2004: 1 claims2006: 5 claims2007: 2 claims2008: 10 claims2009: 14 claims2010: 11 claims2011: 11 claims2012: 128 claims2013: 2 claims2014: 1 claims2015: 1 claims2016: 15 claims2019: 1 claims2020: 5 claims2026: 1 claims19801990200020102020

What the record says

Almost all claims here (92%) 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 30% of claims.

7 claims were filed in the last 10 years.

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

Cape May Point, 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 Sandy201212630%
Unnamed flooding199410024%
Hurricane Gloria1985266%
December Storm - Nor'easter1992266%
Winter Storm Jonas2016133%
Hurricane Irene201192%

Flood zone at time of claim

High-risk zones (A, V)91% · 387
Moderate or minimal risk (X, B, C)8% · 33
Undetermined (D)0% · 1
Zone not recorded0% · 2

NFIP communities

Middle, Township OfParticipates in the NFIP
Dennis, Township OfParticipates in the NFIP
Cape May Point, Borough OfCRS class 6 · up to 20% off

Federal disaster declarations in Cape May 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

12 flood, storm or hurricane declarations for Cape May County since 2000.

Check a specific address in Cape May Court House.

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

08202

Avalon

2,366 claims · $28.4 million paid

08243

Sea Isle City

2,967 claims · $37.8 million paid

08247

Stone Harbor

1,539 claims · $22.0 million paid

08248

Strathmere

359 claims · $7.3 million paid

08260

Wildwood

8,825 claims · $102.0 million paid

08251

Villas

149 claims · $789,600 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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