FloodFireCheck

Does Marion flood?

Marion, Jersey City, NJ · ZIP code 07306: the ZIP code on 65 of the 67 flood insurance claims counted here. ZIP codes do not follow neighborhood lines.

Yes. Insured properties in and around Marion have filed flood claims. About 19% of Marion’s mapped area is inside FEMA’s Special Flood Hazard Area; the rest is in moderate or minimal-hazard Zone X. NFIP flood insurance records list 67 claims from the Census block groups that cover Marion, from 1978 through 2021. 53 of them received a payment, totaling $1,241,207 (not adjusted for inflation). The busiest years were 2021 (11 claims), 1981 (7 claims), 1983 (5 claims).

What this page counts as Marion

We could not find an openly licensed official boundary for Marion, so this page uses a census-based area. For this page, Marion means the 2010 Census block groups whose center lies within 1.6 km (1.0 miles) of the U.S. Geological Survey (GNIS) map point for Marion (feature 878120) and inside the Jersey City city limits (U.S. Census Bureau), each block group going to the nearest of the places we cover. Every number below is for exactly those block groups (listed in “How these numbers were made”), so the edges are approximate and may include or leave out a few blocks people would call Marion. Sources: U.S. Census Bureau TIGERweb, 2010 Census Block Groups, National Park Service, National Register of Historic Places boundaries (NRHP polygons) and U.S. Geological Survey, Geographic Names Information System (GNIS) domestic names.

Past claims do not predict future flooding, and a neighborhood figure cannot tell you about one building. Look up the exact address on the FEMA Flood Map Service Center and get flood insurance quotes before you sign a lease or a contract.

19%
of the area in FEMA high-risk zones (SFHA)
67
NFIP claims on record, 1978–2021
$1,241,207
paid on 53 claims (nominal dollars)
17
claims with a loss year of 2015 or later

Check a specific address in Marion

Neighborhood figures are averages. Our address check looks up the FEMA flood zone at one address, from the same public maps: check if your address is in a flood zone.

Flood zones street by street in Marion

The named streets in Marion, longest first, with how much of each street’s length inside Marion lies in FEMA’s high-risk flood zones (the Special Flood Hazard Area, zones A and V). Length is the part inside Marion; the main zone is the FEMA zone covering most of that length. A street can cross several zones, so the zone at one address can differ from the street’s main zone: check the address above for that. 16 shorter streets are not listed.

StreetLengthIn high-risk zonesMain zone
Pulaski Skwy2.8 mi35%X (unshaded, minimal) (64%)
US Hwy 1 (Trk)1.8 mi39%X (unshaded, minimal) (41%)
W Side Ave4,930 ft16%X (unshaded, minimal) (84%)
Broadway4,410 ft44%X (unshaded, minimal) (56%)
Sip Ave3,570 ft24%X (unshaded, minimal) (73%)
Van Wagenen Ave2,670 ft0.0%X (unshaded, minimal) (100%)
Newark Ave2,440 ft0.0%X (unshaded, minimal) (100%)
Corbin Ave2,180 ft0.0%X (unshaded, minimal) (100%)
Tonnele Ave1,990 ft0.0%X (unshaded, minimal) (100%)
Logan Ave1,920 ft12%X (unshaded, minimal) (88%)
Wallis Ave1,780 ft0.0%X (unshaded, minimal) (100%)
Pavonia Ave1,480 ft1.7%X (unshaded, minimal) (98%)
Delaware Ave1,430 ft0.0%X (unshaded, minimal) (100%)
Wales Ave1,400 ft0.0%X (unshaded, minimal) (100%)
Romaine Ave1,330 ft0.0%X (unshaded, minimal) (100%)
Gautier Ave1,320 ft0.0%X (unshaded, minimal) (100%)
Giles Ave1,220 ft0.0%X (unshaded, minimal) (100%)
Mallory Ave1,210 ft0.0%X (unshaded, minimal) (100%)
Dales Ave1,130 ft0.0%X (unshaded, minimal) (100%)
Broadway Way1,120 ft71%AE (71%)
Freeman Ave1,110 ft0.0%X (unshaded, minimal) (100%)
Wright Ave1,100 ft0.0%X (unshaded, minimal) (100%)
Garrison Ave1,060 ft0.0%X (unshaded, minimal) (100%)
Van Winkle Ave1,050 ft0.0%X (unshaded, minimal) (100%)
Condict St1,050 ft0.0%X (unshaded, minimal) (100%)

Streets: U.S. Census Bureau TIGERweb, Transportation (primary, secondary and local roads). Flood zones: FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels, retrieved November 7, 2026. Each street is clipped to the area boundary and measured in an equal-area projection. Street lengths are rounded.

Flood zones in Marion

Share of Marion’s mapped area (about 2.179 km²) in each FEMA flood zone, from FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels. Mapped base flood elevations inside the neighborhood range from 9 to 15 feet. Effective date of the FIRM panel(s) covering it (34017C0101D, 34017C0102D): August 16, 2006.

FEMA zoneShare of area
X (unshaded, minimal)78%
AE18%
X (shaded, 0.2% annual chance)2.6%
AH1.2%
AREA NOT INCLUDED0.2%

What the zones mean

Zone AE (and A, AH, AO)
High-risk: part of the Special Flood Hazard Area (SFHA), the area FEMA maps as having a 1-percent chance of flooding in any given year (the “100-year” or base flood). AE areas have a mapped base flood elevation.
Zone VE (and V)
High-risk coastal areas, also in the SFHA, where the base flood is expected to bring additional hazards from storm waves.
Zone X (shaded)
Moderate hazard: between the limits of the 1-percent and the 0.2-percent-annual-chance (“500-year”) flood.
Zone X (unshaded)
Minimal hazard: outside the SFHA and higher than the 0.2-percent-annual-chance flood elevation. Minimal is not zero: flood claims are filed from X zones too.

Source: FEMA Glossary: Flood Zones.

Flood insurance claims over time

Claims filed under the National Flood Insurance Program (NFIP) from the 2010 Census block groups that cover Marion. This area is made of whole block groups, so every claim counted here comes from inside it. Only insured properties appear, so these counts understate total flooding.

By decade

DecadeClaimsPaid
1970s6$81,211
1980s25$340,103
1990s4$16,639
2000s9$81,497
2010s11$123,007
2020s12$598,750

By year of loss

19783
19793
19804
19817
19821
19835
19843
19851
19862
19892
19921
19981
19992
20032
20061
20074
20081
20091
20113
20123
20161
20173
20181
20201
202111

Named flood events with the most claims

FEMA labels some events only as “Flooding”. Claims by the flood zone the property was rated in:

How much is flood insurance in Marion?

The typical National Flood Insurance Program policy on homes and units (one building or unit per policy) in Marion costs $1,199 a year: the median of 13 policies that started between September 1, 2025 and August 31, 2026. Half of them cost between $1,014 and $1,518. That is the full amount paid for the year, the premium plus FEMA’s fees and surcharges, and every one of these policies is priced under Risk Rating 2.0. A quote for one building can be far from this: its elevation, foundation, age, coverage and deductible all change the price. Private flood insurance is not included.

Source: FEMA OpenFEMA Dataset: FIMA NFIP Redacted Policies - v3, computed November 7, 2026.

Why home insurance costs what it does in Marion

This section is educational and is not insurance advice.

Flood insurance

ZIP codes do not follow neighborhood lines. This is a ZIP code on at least 5% of the flood claims counted for Marion, within 10 km of it.

  • ZIP code 07306: the median National Flood Insurance Program policy cost for one-building residential policies was $1,236 a year, the middle of 20 policies that started between September 1, 2025 and August 31, 2026. Half of them cost between $1,012 and $1,684. These policies are priced under Risk Rating 2.0.
  • ZIP code 07306: NFIP records list 78 flood claims with a loss year from 1978 through 2021. The claims dataset is as of September 8, 2026.

Fire and wind

  • USDA Forest Service Wildfire Risk to Communities gives Jersey City, NJ a Risk to Homes national percentile rank of 0.215, which its methods call Low (below the 40th percentile). That is the city rating, not a rating of Marion alone. The summary file is dated April 15, 2026.

What to ask your agent

  • Ask the agent how old the roof is.
  • Ask whether a wind-mitigation discount is available for this house.
  • Ask how flood coverage differs from the homeowners policy. A standard homeowners policy does not cover flood. Flood coverage is a separate policy.
  • Ask whether the policy has a separate hurricane or windstorm deductible, and how that deductible is calculated.
  • Ask when coverage would start. A new National Flood Insurance Program policy generally takes effect 30 days after purchase.

Flood coverage and the 30-day wait: FEMA fact sheet, Jan. 21, 2025; 44 CFR 61.11.

What do NFIP records show for flood insurance in Marion?

ZIP code 07306: the median National Flood Insurance Program policy cost for one-building residential policies was $1,236 a year, the middle of 20 policies that started between September 1, 2025 and August 31, 2026. Half of them cost between $1,012 and $1,684. These policies are priced under Risk Rating 2.0. ZIP code 07306: NFIP records list 78 flood claims with a loss year from 1978 through 2021. The claims dataset is as of September 8, 2026.

What do public fire and wind records show for Marion?

USDA Forest Service Wildfire Risk to Communities gives Jersey City, NJ a Risk to Homes national percentile rank of 0.215, which its methods call Low (below the 40th percentile). That is the city rating, not a rating of Marion alone. The summary file is dated April 15, 2026.

What should I ask an insurance agent about a home in Marion?

Ask the agent how old the roof is. Ask whether a wind-mitigation discount is available for this house. Ask how flood coverage differs from the homeowners policy. A standard homeowners policy does not cover flood. Flood coverage is a separate policy. Ask whether the policy has a separate hurricane or windstorm deductible, and how that deductible is calculated. Ask when coverage would start. A new National Flood Insurance Program policy generally takes effect 30 days after purchase.

Sources: OpenFEMA NFIP Redacted Policies v3; OpenFEMA NFIP Redacted Claims v3; USDA Forest Service, Wildfire Risk to Communities, community summaries; Wildfire Risk to Communities methods.

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Before you rent or buy in Marion

Living in Marion

Flood maps are only one part of choosing a neighborhood. To compare Marion with other Jersey City neighborhoods on more than flooding, see Jersey City on StrollPlace.

Buyer and renter FAQ

Does Marion flood?

Yes. Insured properties in and around Marion have filed flood claims. About 19% of Marion’s mapped area is inside FEMA’s Special Flood Hazard Area; the rest is in moderate or minimal-hazard Zone X. NFIP flood insurance records list 67 claims from the Census block groups that cover Marion, from 1978 through 2021. 53 of them received a payment, totaling $1,241,207 (not adjusted for inflation). The busiest years were 2021 (11 claims), 1981 (7 claims), 1983 (5 claims). Past claims do not predict future flooding, and conditions vary street by street, so check the specific address.

Is Marion in a flood zone?

About 19% of Marion’s mapped area is inside FEMA’s Special Flood Hazard Area; the rest is in moderate or minimal-hazard Zone X. Shares by zone: X (unshaded, minimal) 78%; AE 18%; X (shaded, 0.2% annual chance) 2.6%; AH 1.2%; AREA NOT INCLUDED 0.2%. The FIRM panel(s) covering it took effect August 16, 2006.

Which streets in Marion are in a high-risk flood zone?

Most of the length of Broadway Way lies in FEMA high-risk zones (the Special Flood Hazard Area). Less than 10% of Van Wagenen Ave, Newark Ave, Corbin Ave, Tonnele Ave, Wallis Ave, Pavonia Ave, Delaware Ave and Wales Ave does. Zones can change along a street, so check the exact address.

What ZIP code is Marion in?

Marion is in Jersey City, NJ. ZIP code 07306: the ZIP code on 65 of the 67 flood insurance claims counted here. ZIP codes do not follow neighborhood lines. Check the specific address for its own flood zone.

Do renters need flood insurance?

Standard renters policies usually do not cover flood. Renters in a community that participates in the NFIP can buy contents-only flood coverage, up to $100,000 for belongings.

How long does a new flood policy take to start?

A new NFIP policy generally takes effect 30 days after purchase. Exceptions include no wait when the policy is bought while making, increasing, extending or renewing a mortgage, and a one-day wait in a newly designated high-risk zone within 12 months of the map change.

How much coverage can NFIP provide?

For a one-to-four family home, NFIP building coverage goes up to $250,000 and contents coverage up to $100,000. You can buy flood insurance even if you are not in a high-risk zone, as long as your community participates in the NFIP.

How much is flood insurance in Marion?

The typical NFIP flood insurance policy on homes and units (one building or unit per policy) in Marion cost $1,199 a year: the median of 13 policies that started between September 1, 2025 and August 31, 2026. Half cost between $1,014 and $1,518. One building’s quote can be far from this; its elevation, foundation, age, coverage and deductible all change the price.

FAQ sources: FloodSmart (NFIP): Buy a Flood Insurance Policy; FEMA Fact Sheet: Think you don’t need flood insurance? Think again (Jan. 21, 2025); 44 CFR 61.11, Effective date and time of coverage.

Nearby neighborhoods

How these numbers were made

Area: the census-based definition above, using U.S. Census Bureau TIGERweb, 2010 Census Block Groups, National Park Service, National Register of Historic Places boundaries (NRHP polygons) and U.S. Geological Survey, Geographic Names Information System (GNIS) domestic names. Flood zone shares: the area polygon intersected with FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels, area computed in an equal-area projection; retrieved November 7, 2026. Claims: OpenFEMA NFIP Redacted Claims v3 records for Hudson County (county code 34017), dataset as of September 8, 2026, retrieved November 7, 2026. Claims are counted for exactly the block groups that make up the area. Block groups used: 340170017011, 340170018002, 340170018001, 340170027001, 340170027002, 340170017012, 340170027003. Neighboring pages can share a block group, so their counts can overlap. Paid totals add building, contents and Increased Cost of Compliance payments and are not adjusted for inflation; a claim whose FEMA record shows a negative payment (an adjustment) counts as zero. See the methodology.

Sources

  1. Federal Emergency Management Agency (FEMA), FEMA OpenFEMA Dataset: FIMA NFIP Redacted Claims - v3. Retrieved on November 7, 2026.
  2. FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels. Retrieved on November 7, 2026.
  3. U.S. Census Bureau TIGERweb, 2010 Census Block Groups, National Park Service, National Register of Historic Places boundaries (NRHP polygons) and U.S. Geological Survey, Geographic Names Information System (GNIS) domestic names.
  4. FEMA Glossary: Flood Zones.
  5. FloodSmart (NFIP): Buy a Flood Insurance Policy.
  6. FEMA Fact Sheet: Think you don’t need flood insurance? Think again (Jan. 21, 2025).
  7. 44 CFR 61.11, Effective date and time of coverage.
  8. OpenFEMA Terms and Conditions.
  9. FEMA OpenFEMA Dataset: FIMA NFIP Redacted Policies - v3.
  10. OpenFEMA NFIP Redacted Policies v3.
  11. OpenFEMA NFIP Redacted Claims v3.
  12. USDA Forest Service, Wildfire Risk to Communities, community summaries.
  13. Wildfire Risk to Communities methods.
  14. U.S. Census Bureau TIGERweb, Transportation (primary, secondary and local roads).

Data as of September 8, 2026 (FEMA claims) and November 7, 2026 (flood zones). Page last updated November 7, 2026.