FEMA flood zone rules in Bergen County, NJ — also called floodplain regulations or special flood hazard area (SFHA) rules — determine flood insurance requirements and elevation standards for new construction.
Bergen County participates in the National Flood Insurance Program through its municipalities. Flood hazard areas are regulated by NJDEP under the Flood Hazard Area Control Act, with stricter freeboard requirements after 2024 amendments.
Flood hazard areas in Bergen County are regulated under New Jersey's Flood Hazard Area Control Act (N.J.S.A. 58:16A-50 et seq.) and rules at N.J.A.C. 7:13. The 2024 Inland Flood Protection Rule expanded flood mapping using climate-adjusted precipitation data and requires structures to be elevated two feet above the new design flood elevation. Bergen County's Saddle River, Passaic River, and Hackensack River basins contain extensive Special Flood Hazard Areas. Each municipality administers local floodplain ordinances under FEMA's NFIP. NJDEP issues Flood Hazard Area Individual or General Permits for regulated activities within these zones.
NJDEP penalties up to $25,000 per day; FEMA may suspend NFIP eligibility for noncompliant municipalities.
Bergen County, NJ
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Bergen County, NJ
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Bergen County, NJ
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See how Bergen County's flood zones rules stack up against other locations.
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