Flood Insurance for Beach Haven
The 1944 hurricane took Beach Haven’s hotels and boardwalk. Sandy took the Fifth Street and Pearl Street pavilions. The 2025 Ocean County plan puts 100% of the borough’s developed land in the 1% floodplain. Every home here needs flood coverage.
Written and reviewed by Nate Feuerman, Stonebrook Insurance
Updated
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Short answers
Do I need flood insurance in Beach Haven?
Yes.
Is the NFIP enough?
Not for larger homes. Add excess or private flood.
How long until coverage starts?
Usually 30 days for NFIP.
Does an elevation certificate help?
Yes, often a lot.
How Beach Haven floods.
The Bay Side
Bay Avenue and lagoon streets flood in nor’easters.
Oceanfront
Surge and erosion.
Low Streets
Rain on a high tide.
One Road Off
The causeway is miles north in Ship Bottom.
What the water has done here.
From the borough’s history.
The Great Atlantic Hurricane destroys hotels and the boardwalk.
The Ash Wednesday Storm floods the island.
Sandy washes away the Fifth Street and Pearl Street pavilions.
The pavilions reopen in June.
Insuring a Beach Haven home to its real value.
An NFIP policy covers the building up to $250,000 and contents up to $100,000.
Excess flood sits above the NFIP policy. Private flood can carry the full value and lost rental income. Elevation drives the price, so keep your elevation certificate.
Look up your address
Search your Beach Haven address on FEMA’s map and send us the zone.
Open FEMA’s flood mapInsuring in Beach Haven?
We’ll quote NFIP, excess and private flood.
What our clients say.
Five-star reviews from Stonebrook clients on Google.
“Stonebrook was so easy to deal with and got me super competitive pricing much faster than other agencies I was dealing with. Highly recommended!”
“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. …”
More for Beach Haven homeowners.
What Beach Haven homeowners ask us.
Is all of Beach Haven in a flood zone?
All of its developed land is in the 1% floodplain, per the 2025 Ocean County plan.
Does flood cover lost rental income?
Not under the NFIP. Some private policies offer it.
Neighbors: Long Beach Township, Ship Bottom, Surf City.
Sources for this page
- Ocean County Multi-Jurisdictional Hazard Mitigation Plan (May 2025)
- Wikipedia: Beach Haven, 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.
Let’s discuss how we can protect what you’ve built.
Take 30 seconds to take the first step towards better coverage.
Get a quote.
Tell us what you need and we’ll take it from there.