PLNJeasy
Is flood damage covered under a basic NJ FAIR Plan property policy?
AYes — the NJ FAIR Plan automatically includes NFIP flood limits up to the maximum available
BYes — but only for coastal counties
No — flood must be purchased separately through the NFIP or a private flood market
DYes — up to $250,000 with no separate premium
Why this is the answer
The NJ FAIR Plan, like nearly all U.S. property forms, excludes flood. New Jersey homeowners exposed to flood — including those served by the FAIR Plan — must purchase a National Flood Insurance Program policy or a private flood policy. The FAIR Plan does not automatically wrap NFIP limits, does not vary the rule by county, and does not bundle flood premium into its basic policy.
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