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Flood Insurance
Little Ferry and much of Bergen County sit near the Hackensack River and the Meadowlands. Flooding can happen even outside high-risk zones.
What New Jersey residents should know
- Flood damage is excluded from standard homeowners and renters policies.
- Policies through the National Flood Insurance Program (NFIP) generally have a 30-day waiting period before coverage begins.
- If you have a federally backed mortgage on a home in a high-risk flood zone, flood insurance is required.
- Since 2023, New Jersey sellers and landlords must disclose a property's known flood history and flood-zone status.
- Private flood insurance options may offer higher limits than the NFIP.
Common coverages
- • Building structure
- • Electrical & plumbing
- • Furnace & water heater
- • Contents (optional)
- • Debris removal
Craig's tip
Don't wait for the forecast — the 30-day waiting period means it's best to buy before storm season.
This is general information, not legal advice. Requirements change — call us to confirm what applies to you.
Let's talk about what matters to you.
Friendly, no-pressure advice from a local agent who knows New Jersey.