NJ First-Time Home Buyers


More FEMA Designated Flood Zones - Effective Date 01/20/2010

More FEMA Designated Flood Zones - Effective Date 01/20/2010 in my area!

FEMA 01/20/2010 Update - EFFECTIVEAs if we weren't having enough fun already in the industry, FEMA has altered flood zone locations across the country.  Now I don't know about you, but the last transaction I had that required flood insurance nearly blew it out of the water, to the tune of $1,755 a year on top of the $515 the buyers were paying for home owner's insurance. And this was on a home selling for $126,000. $150+ a month is BIG NEWS to buyers at this level, and in their case they didn't know about the flood insurance going into the transaction (that's another story).

Here's chart for my local county. Below is an example of a map from the FEMA site. All pictures are linked to the original, and there is a link at the bottom to go to the FEMA map locater page itself so that you can find your specific area.

Now's the time to start that kayak business you've always wanted to open!


Gloucester County, NJ Listing of Communities Flood Map from FEMA (linked to map menu)

Click to go to FEMA Gloucester County NJ Chart


Example Map - Gloucester County NJ - Zoomed In (Linked to main search for Gloucester County, NJ)

Gloucester County, NJ FEMA Flood Zone Map - Zoomed In


Flood Map Locator


Steve Kappre is a mortgage loan officer in New Jersey with Treasury Mortgage, a subsidiary of Aurora Financial Group. For more info check out:

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Comment balloon 7 commentsStephen Kappre • January 07 2010 11:06AM


I'm finding $1,700 to be about average.  Some of my clients have paid a whole lot more!!  Great information, thanks for the heads up and the link! 

Posted by Laura Giannotta, Your Realtor Down the Shore! (Keller Williams Realty - Atlantic Shore ) about 10 years ago

Laura you especially want this info! You guys have homes 10 feet above water, no? :)

Posted by Stephen Kappre, Helping You Home (KW Hometown) about 10 years ago

Thanks for the info Steve.  Will check out the mapping and see what is what is what up here.  Last time they added to these maps my in laws had trouble.   

Posted by Paddy (Patricia) Pizappi, Real Estate Associate Broker Hudson Valley NY (Better Homes and Gardens Rand Realty) about 10 years ago

Paddy - Thats not cool. Could you imagine and older couple or fixed income home owner having to move due to having huge flood insurance bills? Yes they need to be protected, just unfortunate.

Posted by Stephen Kappre, Helping You Home (KW Hometown) about 10 years ago


Thanks for the info.  Kinda stinks when you have to buy flood insurance....but it feels great when you have flood insurance and have to use it.

Have a great day


Posted by Leander McClain, Cecil & Harford County Realtor about 10 years ago

Leander - Right on.

Posted by Stephen Kappre, Helping You Home (KW Hometown) about 10 years ago

Hi Steve: I never run into flood zones here (2 in 15 years) but it's a good thing to keep an eye on.


Posted by Matt Listro, Your Credit Repair Expert (National Credit Fixers - Matt Listro) about 10 years ago

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