Flood Insurance for Long Branch
About 21% of Long Branch is in the 1% floodplain and another 14% in the 0.2% zone, from the oceanfront to the river side by Branchport. Here’s where Long Branch 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 Long Branch?
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 Long Branch floods.
From the 2026 Monmouth County plan.
The Oceanfront and Promenade
Surge, as in Sandy.
Lake Takanassee
Stormwater flooding.
Manahassett Creek at Sands Point
On the river side.
Route 36, Atlantic and Edwards Avenues
Heavy-rain flooding.
The Elberon Trestle
A drainage project.
Long Branch in numbers.
From the 2026 Monmouth County plan.
| Measure | Long Branch |
|---|---|
| NFIP policies | 1,585 |
| NFIP losses | 1,374, about $52,492,000 |
| Repetitive / severe repetitive loss | 49 / 9 |
| CRS | Class 7 |
Insuring a Long Branch 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 Long Branch address on FEMA’s map and send us the zone.
Open FEMA’s flood mapInsuring in Long Branch?
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 Long Branch families.
What Long Branch families ask us.
Neighbors: Elberon, Monmouth Beach, West Long Branch, Deal.
Sources for this page
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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