Flood Insurance for Allenhurst, from the Sea Wall to Deal Lake
In September 2023, knee-deep water filled Elberon Avenue and closed roads. Allenhurst’s 20-foot sea wall needs work, and the ocean bulkhead has flooded badly twice in 20 years. Only 44 homes in the borough carry flood insurance.
Written and reviewed by Nate Feuerman, Stonebrook Insurance
Updated
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Short answers
Is Allenhurst in a flood zone?
Parts of it. About 10.2% of the borough is in the 1% floodplain, mostly along the ocean and Deal Lake.
Where does Allenhurst flood?
The county plan names parts of Main Street, all of Hume Street, Elberon Avenue, Lake Drive from Allen to Corlies Avenue, and the ocean bulkhead.
Does Allenhurst get a CRS discount?
No. Allenhurst doesn’t participate in FEMA’s Community Rating System.
Do large Allenhurst homes need more than the NFIP?
Usually. The NFIP covers the building up to $250,000; most Allenhurst homes need excess or private flood on top.
Allenhurst’s flood spots, by name.
From the 2026 Monmouth County Hazard Mitigation Plan.
Elberon Avenue
Knee-deep water in September 2023, with road closures. No homes flooded that time.
Hume Street and Main Street
All of Hume Street and parts of Main Street are named flood areas.
Lake Drive
From Allen Avenue to Corlies Avenue. A $400,000 county grant will build a living shoreline extending toward the old water tower.
The Ocean Bulkhead
Flooded severely twice in 20 years.
The Sea Wall
About 20 feet high. The county plan says it needs refurbishment.
Beach Structures
The borough is removing 55 permanent and portable beach structures, a $3.5 million project.
What FEMA’s numbers show.
FEMA data (August 2024) reported in the 2026 Monmouth County Hazard Mitigation Plan.
| Measure | Allenhurst | What it means for you |
|---|---|---|
| NFIP policies in force | 44 | Few homes carry flood coverage. |
| Paid flood losses | 22 losses, $710,767 | Flood claims here are real. |
| Repetitive-loss properties | 2 (7 losses, about $152,000) | Some addresses flood again and again. |
| Community Rating System | Not participating | No CRS discount; compare private flood. |
| Current FEMA flood map | Effective June 15, 2022 | Your zone may have changed since you bought. |
| Beach replenishment | Twice in the last five years | The beach that protects the sea wall needs ongoing work. |
What the ocean has done here.
From the 2026 county plan.
Hurricane Irene brings flooding, outages and damage to the Beach Club.
Sandy floods the oceanfront, cuts power and damages the Beach Club again.
The Beach Club reopens after the Sandy repairs.
The Army Corps finishes the Loch Arbour-to-Deal beach erosion project.
Knee-deep water on Elberon Avenue closes roads.
A $400,000 county grant funds Lake Drive improvements and a living shoreline.
The right flood policy for an Allenhurst home.
An NFIP policy covers the building up to $250,000 and contents up to $100,000, after a 30-day wait. For most Allenhurst homes, that covers a fraction of a rebuild.
Excess flood sits on top of the NFIP policy. Private flood can carry the full rebuild cost, contents at replacement cost and living expenses while you’re out of the house. Because Allenhurst has no CRS discount, private quotes are worth comparing.
High-value homes are usually best handled through Stonebrook Private Client, where flood is placed with the homeowners policy.
Look up your address
Search your Allenhurst address on FEMA’s Flood Map Service Center and send us the zone. We’ll quote NFIP, excess and private flood side by side.
Open FEMA’s flood mapA flood checklist for Allenhurst.
- 01
Buy Before the Season
NFIP coverage usually starts 30 days after purchase.
- 02
Insure to the Real Rebuild Cost
Put excess or private flood above the NFIP limit.
- 03
Add Water Backup
Drain backup isn’t flood. Add it to your homeowners policy.
- 04
Move Cars Off Elberon Avenue
Before a big rain or storm tide.
- 05
Keep an Elevation Certificate
It can lower your price.
Near the ocean or Deal Lake?
Send us your address and current policy. We’ll quote NFIP, excess and private flood side by side.
What our clients say.
Five-star reviews from Stonebrook clients on Google.
“I had an excellent experience with Stonebrook Insurance Agency. Rachel went above and beyond to help me find the right coverage, answering all my questions with patience and clarity. She made the process quick, stress-free, and made sure I understood every detail before moving forward. I really appreciated her professionalism and personal touch.”
“Had a great experience with Stonebrook. Nate was very knowledgeable regarding flood insurance on the Jersey Shore. …”
“Stonebrook was so easy to deal with and got me super competitive pricing much faster than other agencies I was dealing with. Highly recommended!”
More for Allenhurst families.
What Allenhurst families ask us.
Do I need flood insurance in Allenhurst?
If you’re near the ocean, Deal Lake, Elberon Avenue or Hume Street, you should carry it, even without a lender requirement.
How much has FEMA paid in Allenhurst flood claims?
About $711,000 on 22 losses, per FEMA data from August 2024.
Did Allenhurst flood in September 2023?
Yes. Knee-deep water reached Elberon Avenue and closed roads, though no homes flooded, per the county plan.
Is the sea wall enough protection?
Not by itself. The county plan says the roughly 20-foot wall needs refurbishment, and the bulkhead has flooded twice in 20 years.
Is sewer backup covered by flood insurance?
No. It’s covered by a water backup endorsement on your homeowners policy.
Neighbors: Deal, Loch Arbour, Interlaken, Asbury Park, Ocean Township.
Sources for this page
- Monmouth County Hazard Mitigation Plan 2026, Appendix 2: Allenhurst Borough
- Wikipedia: Allenhurst, New Jersey
- FEMA Flood Map Service Center
Figures come from the sources listed and are dated where the source gives a date. Coverage descriptions are general; your policy wording controls.
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