Buildings that have flooded repeatedly — so-called repetitive loss properties — are an indication that buildings in flood zones are too low and, often, were built before communities considered allowing for flooding in building requirements.

New Jersey ranks fourth nationally for the amount of flood insurance payouts going to these properties, FEMA records show.

Many of the repeatedly flooded New Jersey properties are in Bergen and Union counties, victims of frequent river flooding, FEMA records show. In some municipalities, those repeated losses have totaled more than $40 million.

But in shore towns, repeated losses in Atlantic City, Ocean City, the Wildwoods, Toms River, Sea Bright and Monmouth Beach all totaled more than $10 million each since 1978.

Of shore municipalities, Ocean City has had the highest amount of insurance payouts for properties flooded repeatedly — more than $19 million since 1978, FEMA records show.

Sarah Watson