Flood Insurance for Ocean Grove
Sandy destroyed more than half of Ocean Grove’s boardwalk in 2012. The oceanfront and the blocks by Wesley and Fletcher lakes carry the most risk. If you’re near the water, price a flood policy.
Written and reviewed by Nate Feuerman, Stonebrook Insurance
Updated
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Short answers
Do I need flood insurance in Ocean Grove?
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 Ocean Grove floods.
Ocean Pathway and the Beachfront
Surge and waves.
The North Edge
Lake flooding.
The South Edge
Lake flooding.
Insuring a Ocean Grove 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 Ocean Grove address on FEMA’s map and send us the zone.
Open FEMA’s flood mapInsuring in Ocean Grove?
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 Ocean Grove families.
What Ocean Grove families ask us.
Neighbors: Neptune Township, Asbury Park, Bradley Beach.
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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