Flooding in Jersey City: WHAT YOU NEED TO KNOW

Jersey City sits on the Hudson River, surrounded by tidal waters and aging drainage systems, and faces rapidly changing rain patterns. Despite its many advantages, the city is highly vulnerable to flooding. Heavy rainfall, coastal storms, nor'easters, and rising tides have increased the frequency of flood events.
Hurricane Sandy struck Jersey City in 2012, causing damage to over 3,800 properties. Studies indicate that as of today, more than 8,000 properties in Jersey City are at risk of flooding, a number expected to rise with climate change and urbanization. Flood damage has affected basements, first-floor apartments, and streets far from the waterfront. As a result, many homeowners and renters in Jersey City, NJ, purchase private flood insurance to protect against unexpected financial losses.
Whether you live downtown, along the waterfront, or in a residential neighborhood, proper coverage from Advantage Flood provides peace of mind if your property or belongings are threatened by severe storms.

Flood Zones in Jersey City

Jersey City is located in numerous FEMA-designated flood zones due to its coastal location and dense urban layout. Homes in Zone AE or Zone VE, especially along the waterfront or near the Hudson River, are more likely to be required to carry flood insurance if they have federally backed mortgages. However, even properties in Zone X, which is considered moderate to low risk, have reported repeated flooding during heavy storms or drainage backups.