Flood Insurance for Little Silver
About 28% of Little Silver is in the 1% floodplain, mostly on the eastern side along the Shrewsbury River and Branchport Creek. 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 Little Silver?
Near the water or in a mapped zone, yes.
Does homeowners cover flood?
No.
Does flood cover my car?
No. Comprehensive does.
How long until coverage starts?
Usually 30 days for NFIP.
How Little Silver floods.
From the 2026 Monmouth County plan.
Shrewsbury River
The eastern side of the borough.
Seven Bridges Road
Tidal flooding, often.
Branchport Creek
On the south side.
Surge
As in Sandy.
Little Silver in numbers.
From the 2026 Monmouth County plan.
| Measure | Little Silver |
|---|---|
| NFIP policies | 249 |
| NFIP losses | 390, about $33,291,000 |
| Repetitive / severe repetitive loss | 21 / 2 |
| CRS | Not participating |
Insuring a Little Silver 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.
Elevation drives the price on both, so keep your elevation certificate.
Look up your address
Search your Little Silver address on FEMA’s map and send us the zone.
Open FEMA’s flood mapInsuring in Little Silver?
We’ll check your zone and quote 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 Little Silver families.
What Little Silver families ask us.
Neighbors: Red Bank, Fair Haven, Rumson, Monmouth Beach.
Sources for this page
- Monmouth County Hazard Mitigation Plan 2026: Little Silver Borough annex
- 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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