Flood Insurance for Ship Bottom
Ship Bottom sits between the ocean and Manahawkin Bay, and Sandy flooded Long Beach Island from both sides in 2012. Nearly every home here should carry flood coverage.
Written and reviewed by Nate Feuerman, Stonebrook Insurance
Updated
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Short answers
Do I need flood insurance in Ship Bottom?
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 Ship Bottom floods.
The Beachfront
Surge and waves.
Streets Along Manahawkin Bay
Back-bay flooding.
Route 72
Low roads close in storms.
Insuring a Ship Bottom 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 Ship Bottom address on FEMA’s map and send us the zone.
Open FEMA’s flood mapInsuring in Ship Bottom?
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 Ship Bottom families.
What Ship Bottom families ask us.
Neighbors: Surf City, Long Beach Township, Manahawkin, Harvey Cedars.
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.
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.