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Flood history · Normandy Beach, NJ 08739

Flood insurance claims in Normandy Beach, NJ 08739

572 claims since 1982 and $41.8 million paid. Here's what the public record shows, and how to check a specific address.

Check an address in 08739
572flood insurance claims since 1982
$41.8 millionpaid to policyholders
$84,765average paid claim
7claims in the last 10 years
10%of claims outside high-risk zones
#66of 623 New Jersey ZIP codes by claims

Claims by year

Every NFIP flood insurance claim reported in ZIP 08739 since 1978.

1982: 1 claims1984: 1 claims1985: 1 claims1989: 1 claims1991: 6 claims1992: 77 claims1993: 7 claims1994: 1 claims1995: 2 claims1996: 1 claims1997: 1 claims1998: 5 claims1999: 1 claims2000: 1 claims2001: 1 claims2002: 1 claims2003: 1 claims2005: 6 claims2007: 1 claims2011: 29 claims2012: 420 claims2021: 2 claims2022: 3 claims2024: 1 claims2026: 1 claims1990200020102020

What the record says

Almost all claims here (90%) 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 73% of all claims in this ZIP code.

7 claims were filed in the last 10 years.

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

Toms River, Township 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 Sandy201241773%
December Storm - Nor'easter19927513%
Hurricane Irene2011275%
The "Halloween" Storm199151%
Unnamed flooding199831%
Torrential rain200520%

Flood zone at time of claim

High-risk zones (A, V)90% · 512
Moderate or minimal risk (X, B, C)10% · 60

NFIP communities

Toms River, Township OfCRS class 7 · up to 15% off
Brick, 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 Normandy Beach.

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

08738

Mantoloking

1,331 claims · $157.7 million paid

08735

Lavallette

4,430 claims · $238.7 million paid

08723

Brick

2,491 claims · $156.8 million paid

08751

Seaside Heights

2,777 claims · $199.8 million paid

08753

Toms River

4,912 claims · $277.2 million paid

08742

Point Pleasant Beach

4,081 claims · $231.0 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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