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Flood history · Strathmere, NJ 08248

Flood insurance claims in Strathmere, NJ 08248

359 claims since 1978 and $7.3 million paid. Here's what the public record shows, and how to check a specific address.

Check an address in 08248
359flood insurance claims since 1978
$7.3 millionpaid to policyholders
$23,880average paid claim
26claims in the last 10 years
0%of claims outside high-risk zones
#98of 623 New Jersey ZIP codes by claims

Claims by year

Every NFIP flood insurance claim reported in ZIP 08248 since 1978.

1978: 1 claims1980: 7 claims1981: 1 claims1982: 1 claims1983: 2 claims1984: 29 claims1985: 9 claims1991: 2 claims1992: 32 claims1994: 14 claims1996: 1 claims1998: 26 claims2003: 3 claims2004: 2 claims2008: 1 claims2009: 5 claims2010: 4 claims2011: 4 claims2012: 165 claims2016: 24 claims2017: 8 claims2018: 9 claims2019: 1 claims2021: 3 claims2022: 4 claims2024: 1 claims19801990200020102020

What the record says

Almost all claims here (100%) 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 46% of all claims in this ZIP code.

26 claims were filed in the last 10 years.

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

Upper, Township 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
Hurricane Sandy201216446%
Unnamed flooding19988223%
December Storm - Nor'easter1992226%
Winter Storm Jonas2016206%
Hurricane Gloria198593%
Hurricane Irene201141%

Flood zone at time of claim

High-risk zones (A, V)100% · 359

NFIP communities

Upper, Township OfCRS class 5 · up to 25% 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.

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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

08243

Sea Isle City

2,967 claims · $37.8 million paid

08226

Ocean City

9,482 claims · $183.3 million paid

08210

Cape May Court House

423 claims · $5.3 million paid

08202

Avalon

2,366 claims · $28.4 million paid

08244

Somers Point

382 claims · $7.4 million paid

08403

Longport

1,335 claims · $38.5 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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