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Flood history · Lavallette, NJ 08735

Flood insurance claims in Lavallette, NJ 08735

4,430 claims since 1978 and $238.7 million paid. Here's what the public record shows, and how to check a specific address.

Check an address in 08735
4,430flood insurance claims since 1978
$238.7 millionpaid to policyholders
$60,237average paid claim
26claims in the last 10 years
7%of claims outside high-risk zones
#9of 623 New Jersey ZIP codes by claims

Claims by year

Every NFIP flood insurance claim reported in ZIP 08735 since 1978.

1978: 6 claims1979: 4 claims1980: 6 claims1981: 2 claims1982: 6 claims1984: 27 claims1985: 11 claims1986: 3 claims1987: 4 claims1989: 3 claims1990: 3 claims1991: 31 claims1992: 300 claims1993: 20 claims1994: 2 claims1995: 18 claims1996: 12 claims1997: 3 claims1998: 19 claims1999: 5 claims2000: 46 claims2001: 7 claims2003: 5 claims2004: 4 claims2005: 38 claims2006: 33 claims2007: 12 claims2008: 2 claims2009: 10 claims2010: 20 claims2011: 271 claims2012: 3448 claims2013: 4 claims2014: 14 claims2015: 1 claims2016: 4 claims2017: 2 claims2018: 1 claims2019: 1 claims2020: 2 claims2021: 4 claims2022: 6 claims2023: 2 claims2024: 7 claims2026: 1 claims19801990200020102020

What the record says

Almost all claims here (93%) 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 77% 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.

Lavallette, 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 Sandy20123,42177%
December Storm - Nor'easter19922887%
Hurricane Irene20112576%
Unnamed flooding1996461%
The "Halloween" Storm1991281%
March 2010 Nor'easter2010150%

Flood zone at time of claim

High-risk zones (A, V)93% · 4,125
Moderate or minimal risk (X, B, C)7% · 302
Zone not recorded0% · 3

NFIP communities

Lavallette, Borough OfCRS class 7 · up to 15% off
Toms River, Township OfCRS class 7 · up to 15% off
Brick, Township OfCRS class 6 · up to 20% off
Ocean, Township OfCRS class 6 · up to 20% off

Federal disaster declarations in Ocean 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
Severe Winter Storm And SnowstormSevere Storm · Major disaster · 2016-03-14
Hurricane SandyHurricane · Major disaster · 2012-10-30
Hurricane SandyHurricane · Emergency · 2012-10-28
Hurricane IreneHurricane · Major disaster · 2011-08-31

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

Check a specific address in Lavallette.

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

08739

Normandy Beach

572 claims · $41.8 million paid

08751

Seaside Heights

2,777 claims · $199.8 million paid

08738

Mantoloking

1,331 claims · $157.7 million paid

08752

Seaside Park

1,442 claims · $47.6 million paid

08753

Toms River

4,912 claims · $277.2 million paid

08732

Island Heights

56 claims · $2.3 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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