FEMA flood zone rules in North Bergen, NJ — also called floodplain regulations or special flood hazard area (SFHA) rules — determine flood insurance requirements and elevation standards for new construction.
North Bergen has some FEMA flood zone areas, primarily in low-lying sections. The township's elevated Palisades position reduces flood risk compared to waterfront Hudson County cities. NJDEP Flood Hazard Area permits required for construction in designated zones.
North Bergen is positioned on the Palisades escarpment above the Hudson River, which provides significant elevation and reduces flood risk compared to Hoboken or Jersey City. However, some low-lying sections of North Bergen are within FEMA Flood Hazard Areas. FEMA FIRM maps for Hudson County show specific flood zone designations by property address. Construction in FEMA Special Flood Hazard Areas (SFHAs) requires NJDEP Flood Hazard Area Control Act permits. Flood insurance is required for federally-backed mortgages on properties in SFHAs. Check FEMA Map Service Center (msc.fema.gov) or NJFloodMapper (njfloodmapper.org) for property-specific designations. Post-Sandy remapping affected all of Hudson County.
Construction in flood zone without NJDEP permit: fines, mandatory elevation or removal. Missing flood insurance on SFHA property: mortgage default trigger.
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Side-by-side rule comparisons with other cities in Hudson County.
See how other cities in Hudson County handle flood zones.
See how North Bergen's flood zones rules stack up against other locations.
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