NJDEP-Division of Land Use Regulation-Flood Hazard Area 2025

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The flood zones are delineated on the maps and are available for inspection at Town Hall or online at . The Township Engineering Department can tell you what zone you are in.
Compared to selling other types of properties, selling a property in a flood zone is always more difficult. These properties are located in areas that FEMA considers high risk due to their risk of flooding and low elevation.
Risks of buying property in a flood zone include:1) Living in a flood zone can decrease your homes value and make it harder to resell,2) costly flood insurance requirement for properties in flood zones, 3) If your home floods, youll have to deal
Case Studies and Examples. For instance, a study by the National Bureau of Economic Research found that homes within the 100-year floodplain are valued 4.4% to 13.3% less than similar properties outside the flood zone. This decrease in value is largely due to the perceived risk of flooding and the associated costs.
Flood Zone A is a special flood hazard area designation by the Federal Emergency Management Agency (FEMA). Zone A areas have a 1 percent annual chance of flooding. This flood is also called the 100-year flood.
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If you own a property in a high-risk zone and have a federally backed mortgage, you must purchase flood insurance. Over a 30-year mortgage, homes in these areas have a 1 in 4 chance of flooding at least once.
The New Jersey Flood Risk Notification Law became effective on March 20, 2024. It requires property owners and landlords to disclose information related to flood hazards to potential buyers or renters before completing a real estate transaction.
While its true that Flood Zone AE is considered a high-risk area, with a 1% annual chance of flooding and a 26% chance over a 30-year mortgage, its not necessarily a deal-breaker. Heres why: Should I skip AE homes? No26% flood risk over 30 years is manageable with insurance and mitigation.

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