Cape May, New Jersey
Is your property located in an updated flood zone?
Has your property in Cape May been rezoned as a high-risk, A or V flood zone?
If so, flood insurance may now be lender required.
National Flood Insurance can help you determine your new zone, confirm if flood insurance is required for your property, and provide you and your family the coverage you need to stay protected.

Cape May County Quick Facts
Location: Southernmost tip of New Jersey on the Atlantic coast
County's Population: 94,430
Environmental Features: Tidal and freshwater wetlands, pine forest and coastal plain regions, which makes the County a popular tourist attraction and are prime factors in the success of the County's resort industry.
Why Did Flood Zones in Cape May, NJ Change?
The Federal Emergency Management Agency (FEMA) released updates to the flood hazard maps, also known as Flood Insurance Rate Maps (FIRMs). FIRMs are used to identify areas that have flood risk in Cape May County. Insurance companies also use FIRMs to determine flood insurance rates for properties and their contents, and banks/lenders utilize FIRMs to determine flood insurance requirements.
Take a look back at some of the historical floods that have affected Cape May County:
Rivers and Flash Floods:
  • April 1984: Passaic River Basin caused $335 million in damages and 9,400 people had to evacuate their homes.
  • January 1996: Flashing flooding led to larger flooding, particularly along the Delaware and Raritan Rivers.
  • August 2012: A series of slow moving thunderstorms caused flash flooding in Cape May County during the evening and overnight on August 25 and into August 26. The flooding caused approximately $150,000 in property damage.
Heavy Rain:
  • August 1997: Torrential rain fell across southeast New Jersey as a low-pressure system developed over the Delmarva Peninsula. This storm caused severe flash flooding.
  • August 2000: Sustained rains resulting in rainfall exceeding 12 inches.
  • March 2005: Major rainstorm at the end of March and another between April 1 and April 3, caused severe flooding of the Delaware River with an evacuation of more than 5,500 people.
Tropical Storms and Hurricanes:
  • September 1999: Hurricane Floyd caused the largest flood on record along the Raritan River.
  • April 2011: The strong southeast onshore flow combined with the high tides produced minor to moderate tidal flooding along the New Jersey coast and moderate to severe flooding of the Delaware Bay in Cape May and Cumberland Counties. The flooding caused approximately$2.75 million in property damage.
  • August 2011: Hurricane Irene brought tropical storm force winds, destructive storm surge, and record-breaking freshwater inland flooding across northeast New Jersey. The storm surge of three to five feet caused moderate-to-severe tidal flooding along the ocean side and moderate tidal flooding in Delaware Bay and tidal sections of the Delaware River. Irene caused approximately $1 billion in damages.
  • September 2011: Tropical Storm Lee brought three to eight inches of rain to many parts of New Jersey. Freshwater surge caused moderate tidal flooding along sections of the Delaware River. The State had approximately $11.5 million in damage.
  • October/November 2012: Hurricane Sandy was the costliest natural disaster by far in the State of New Jersey. Record breaking high tides and wave action combined with sustained winds as high as 60 to 70 mph with wind gusts as high as 80 to 90 mph to batter the State. Statewide, Sandy caused an estimated $29.4 billion in damage, destroyed or significantly damaged 30,000 homes and businesses, and affected 42,000 additional structures.
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