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Flood history · Stone Harbor, NJ 08247

Flood insurance claims in Stone Harbor, NJ 08247

1,539 claims since 1978 and $22.0 million paid. Here's what the public record shows, and how to check a specific address.

Check an address in 08247
1,539flood insurance claims since 1978
$22.0 millionpaid to policyholders
$17,742average paid claim
8claims in the last 10 years
1%of claims outside high-risk zones
#32of 623 New Jersey ZIP codes by claims

Claims by year

Every NFIP flood insurance claim reported in ZIP 08247 since 1978.

1978: 1 claims1979: 2 claims1980: 46 claims1981: 3 claims1984: 148 claims1985: 93 claims1986: 2 claims1987: 6 claims1989: 2 claims1991: 25 claims1992: 305 claims1993: 11 claims1994: 117 claims1996: 17 claims1997: 3 claims1998: 100 claims1999: 3 claims2000: 2 claims2002: 1 claims2003: 12 claims2006: 2 claims2008: 5 claims2009: 32 claims2010: 1 claims2011: 5 claims2012: 468 claims2013: 5 claims2014: 1 claims2015: 1 claims2016: 112 claims2017: 1 claims2018: 3 claims2019: 1 claims2021: 3 claims19801990200020102020

What the record says

Almost all claims here (99%) 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 36% of claims.

8 claims were filed in the last 10 years.

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

Stone Harbor, Borough Of takes part in FEMA's Community Rating System (class 5), which can lower flood insurance premiums by up to 25% in high-risk zones.

Biggest flood events

EventYearClaimsShare
Unnamed flooding199256036%
Hurricane Sandy201246630%
December Storm - Nor'easter19921127%
Winter Storm Jonas20161107%
Hurricane Gloria1985926%
The "Halloween" Storm1991211%

Flood zone at time of claim

High-risk zones (A, V)99% · 1,526
Moderate or minimal risk (X, B, C)1% · 13

NFIP communities

Stone Harbor, Borough OfCRS class 5 · up to 25% off
Middle, Township OfParticipates in the NFIP
Avalon, Borough OfCRS class 3 · up to 35% 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 Stone Harbor.

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

08260

Wildwood

8,825 claims · $102.0 million paid

08210

Cape May Court House

423 claims · $5.3 million paid

08243

Sea Isle City

2,967 claims · $37.8 million paid

08251

Villas

149 claims · $789,600 paid

08204

Cape May

1,482 claims · $12.1 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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