ZIP 08872
Middlesex County, NJ

The heaviest year

2012 is the heaviest year on file: 151 paid claims, 48.7% of the ZIP's total. That one year accounts for more than a quarter of the ZIP's entire record. The largest named event in the record is Hurricane Sandy, with 151 claims.

4 of those claims — 1.3% — were filed since 2017. The bulk of this ZIP's record is older than that.

Named event	Paid claims	Share of record
Hurricane Sandy	151	48.7%
Hurricane Irene	50	16.1%
March 2010 Nor'easter	44	14.2%

Where the claims sat on the map

Of the 306 claims here that record a rated flood zone, 55 — 18.0% — were on properties rated outside the mapped high-risk area, in a B, C or X zone. Claims here concentrate inside the mapped high-risk area, which is what the maps intend. Flood insurance is not required outside the high-risk zone, and most properties there do not carry it — so these counts come from the minority who did.

The water near this ZIP

The closest gauges publishing official flood thresholds are Lawrence Brook at Weston Mills (3.7 mi), Manalapan Brook at Spotswood (5.0 mi) and Arthur Kill at Perth Amboy (IN MLLW) (5.8 mi). A gauge describes one point on one river — it will not see street drainage, sewer backup, storm surge or flash flooding.

Read current gauge conditions for 08872 →

What this does not say

These are paid National Flood Insurance Program claims, nothing more. They count insured properties whose owners filed and were paid, so they are a floor on how often this ZIP has flooded — never a measure of how likely it is to flood next. Uninsured flooding leaves no trace here at all.

The figures are aggregates published by FEMA. No individual claim, address or policyholder appears on this page or in the data behind it. Nothing here is a forecast, a warning, or advice about insurance.