Flood Insurance for Monmouth Beach
About 65% of Monmouth Beach is in the 1% floodplain. The ocean breached the seawall in Sandy, and Manahasset Creek floods streets more than 20 times a year. Here’s 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 Monmouth Beach?
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 Monmouth Beach floods.
From the 2026 Monmouth County plan.
The Seawall and Route 36
Breached in Sandy.
Manahasset Creek
Tidal flooding 20+ times a year.
Shrewsbury River
Surge from the back bay.
Riverdale, Griffin, Seaview and Central
Among the low streets named in the plan.
Monmouth Beach in numbers.
From the 2026 Monmouth County plan.
| Measure | Monmouth Beach |
|---|---|
| NFIP policies | 1,564 |
| NFIP losses | 1,729, about $109,385,000 |
| Repetitive / severe repetitive loss | 104 / 26 |
| FEMA maps | June 15, 2022 |
| CRS | Class 8 |
Insuring a Monmouth 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.
Elevation drives the price on both, so keep your elevation certificate.
Look up your address
Search your Monmouth Beach address on FEMA’s map and send us the zone.
Open FEMA’s flood mapInsuring in Monmouth Beach?
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 Monmouth Beach families.
What Monmouth Beach families ask us.
Neighbors: Sea Bright, Long Branch, Rumson.
Sources for this page
- Monmouth County Hazard Mitigation Plan 2026: Monmouth Beach 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.
Let’s discuss how we can protect what you’ve built.
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Get a quote.
Tell us what you need and we’ll take it from there.