Flood Insurance for Deal, from Three Directions
Deal floods from the ocean, Deal Lake and Poplar Brook, which the county plan says “floods constantly.” And with homes worth millions, the NFIP’s $250,000 building limit is only the first layer. Here’s what Deal homeowners should know.
Written and reviewed by Nate Feuerman, Stonebrook Insurance
Updated
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Short answers
Is Deal in a flood zone?
About 8.5% of Deal is in the 1% floodplain, mainly by Deal Lake, Poplar Brook and the ocean.
Is the NFIP enough for a Deal home?
Almost never. Add excess or private flood.
Does Deal get the CRS flood discount?
No. Deal doesn’t participate in FEMA’s Community Rating System.
Is sewer backup flood?
No. That’s a water backup endorsement on your homeowners policy.
Three water sources, three different risks.
From the 2026 Monmouth County plan.
The Oceanfront
Surge and erosion; seawalls reinforced since 2021 and dunes planned near the Deal Casino Beach Club.
Poplar Brook
Backyard flooding near Poplar and Almyr Avenues; severe flooding on August 4 and 6, 2024.
Deal Lake
A dredging project of about $750,000 is planned to restore capacity.
Outfalls
Norwood and Almyr Avenue outfalls back up; about $2.3 million budgeted to widen pipes.
Pump Station Limits
Sewer backups during major floods.
Sea Level Rise
A 5-foot rise would expose 3.1% of developed parcels.
What the data says.
FEMA data in the 2026 Monmouth County plan (August 2024).
| Measure | Deal |
|---|---|
| NFIP policies | 123 |
| Paid NFIP losses | 89, $1,877,391 |
| Repetitive / severe repetitive loss | 1 / 2 |
| Community Rating System | Not participating |
| FEMA flood map | Effective June 15, 2022 |
| Sandy (2012) | 8 homes damaged, 7 major or severe |
Insuring a Deal 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.
For homes at Deal’s values, flood is usually best placed alongside the homeowners policy through Private Client. Buy before hurricane season: NFIP policies usually take 30 days.
Look up your address
Search your Deal address on FEMA’s map and send us the zone.
Open FEMA’s flood mapInsuring a Deal home?
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 Deal families.
What Deal families ask us.
How many flood claims has Deal had?
89 paid NFIP losses totaling about $1.88 million, per FEMA data in the county plan.
Does flood cover my finished basement?
NFIP covers only essentials below grade. Some private policies go further.
Neighbors: Allenhurst, Elberon, Ocean Township, Interlaken, Long Branch, Loch Arbour.
Sources for this page
- Monmouth County Hazard Mitigation Plan 2026, Appendix 11: Deal Borough
- Borough of Deal Master Plan Reexamination Report (Nov. 2019)
- Borough of Deal Flood Plain Ordinance 1226
- 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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