Flood Insurance for Bradley Beach
Bradley Beach floods from the lakes at both ends of town as much as from the ocean. In September 2023, Fletcher Lake rose into basements on Lake Terrace. In August 2022, an outfall pipe breach opened sinkholes and closed the beach. Here’s where it floods, and how to insure for it.
Written and reviewed by Nate Feuerman, Stonebrook Insurance
Updated
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Short answers
Do I need flood insurance in Bradley Beach?
Near either lake or the ocean, yes.
What’s Bradley Beach’s CRS class?
Class 7, which discounts NFIP premiums in high-risk zones.
How many flood claims has the town had?
86 NFIP losses, about $2.8 million, per the 2026 Monmouth County plan.
How long until coverage starts?
Usually 30 days for NFIP.
Bradley Beach’s known flood spots.
From the 2026 Monmouth County plan.
Lake Terrace and the North End
Basements flooded in September 2023.
The South End
Lake overflow in heavy rain.
The Beach Outfall Pipes
An August 2022 breach caused sinkholes; the LaReine Avenue outfall is a known trouble spot.
Beachfront
Sandy did more than $3 million in damage.
Bradley Beach in numbers.
From the 2026 Monmouth County plan.
| Measure | Bradley Beach |
|---|---|
| Land in the 1% floodplain | About 17.6% |
| Land in the 0.2% floodplain | About 6% |
| NFIP policies | 246 |
| NFIP losses | 86, about $2.8 million |
| Repetitive loss properties | 5 |
| FEMA maps | June 15, 2022 |
Insuring a Bradley Beach home for flood.
An NFIP policy covers the building up to $250,000 and contents up to $100,000. Larger homes need excess flood above it, or a private flood policy that can carry the full value and living expenses.
Bradley Beach’s Class 7 CRS rating discounts NFIP premiums in high-risk zones. Elevation drives the price, so keep your elevation certificate.
Look up your address
Search your Bradley Beach address on FEMA’s map and send us the zone.
Open FEMA’s flood mapInsuring in Bradley Beach?
We’ll quote NFIP and private flood side by side.
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!”
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“Had a great experience with Stonebrook. Nate was very knowledgeable regarding flood insurance on the Jersey Shore. …”
More for Bradley Beach homeowners.
What Bradley Beach homeowners ask us.
How did Sandy affect Bradley Beach?
Damage to the beachfront and shore homes topped $3 million.
Does flood cover a flooded basement?
Only limited items, like furnaces and water heaters.
Neighbors: Avon-by-the-Sea, Ocean Grove, Neptune Township, Belmar, Asbury Park.
Sources for this page
- Monmouth County Hazard Mitigation Plan 2026: Bradley Beach Borough annex
- Wikipedia: Bradley Beach, 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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