Flood Insurance for Ocean Township
About 8.8% of Ocean Township is in the 1% floodplain, mostly along its brooks and the Deal Lake shoreline. 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 Ocean Township?
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 Township floods.
From the 2026 Monmouth County plan.
Poplar Brook and Brookside Avenue
Homes evacuated in 2023.
Whalepond Brook
Overflows in heavy rain.
Harvey Brook at Roseld Avenue
Bank repair planned.
Deal Lake in Wanamassa
Logan Road area.
West Deal and Deal Park
Roads closed in Ophelia.
Ocean Township in numbers.
From the 2026 Monmouth County plan.
| Measure | Ocean Township |
|---|---|
| NFIP policies | 176 |
| NFIP losses | 269, about $4,894,000 |
| Repetitive / severe repetitive loss | 16 / 7 |
| FEMA maps | June 15, 2022 |
| CRS | Class 6 |
Insuring a Ocean Township 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 Township address on FEMA’s map and send us the zone.
Open FEMA’s flood mapInsuring in Ocean Township?
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 Township families.
What Ocean Township families ask us.
Neighbors: Oakhurst, Deal, Asbury Park, West Long Branch.
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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