Insurance for Belmar, the &Ldquo;Beautiful Sea”
Belmar packs about 5,900 year-round residents into a square mile between Silver Lake, the Shark River and the ocean, and many times that in summer. Its flood insurance policyholders have filed 485 claims totaling more than $19 million. Here’s how to insure a home, car or business in Belmar, written for this town.
Written and reviewed by Nate Feuerman, Stonebrook Insurance
Updated
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Short answers
Who insures homes in Belmar, NJ?
Stonebrook Insurance is an independent agency that insures Belmar homes, rentals, cars, boats and businesses.
Does Belmar flood?
Yes. Silver Lake, the Shark River, Route 35 at K Street and the south end of Ocean Avenue all flood. Route 35 closes 10 to 15 times a year.
Does Belmar’s CRS rating lower flood premiums?
Yes. Belmar is a Class 5 Community Rating System town, worth a discount on NFIP policies in high-risk zones.
Do you insure summer rentals?
Yes, with landlord coverage and flood.
Ocean Beach, then Elcho, then Belmar.
Belmar was founded in 1872 as Ocean Beach and incorporated as a borough on April 9, 1885. In April 1889 it briefly became the City of Elcho, and a month later it took the name Belmar, from the Italian for “beautiful sea.”
The town grew around the beach, the boardwalk and the Shark River inlet, where Belmar runs one of the largest municipal marinas on the Jersey Shore. It’s a top East Coast surf spot, and its St. Patrick’s Day parade marked its 50th year in 2023.
Belmar also has a place in rock history: the E Street Band took its name from E Street here, where David Sancious’s mother let the band rehearse. The Sopranos’ boat, the Stugots, was docked at the Belmar marina.
Everything you insure in Belmar, in one place.
Each guide is written for Belmar.
The local facts that shape your coverage.
From the 2026 Monmouth County hazard mitigation plan and Census data.
| Fact | Belmar | Why it matters |
|---|---|---|
| Population | 5,907 (2020) | Many more in summer. |
| Area | About one square mile | Water on three sides. |
| NFIP flood policies | 740 | Many homes carry flood. |
| NFIP losses paid | 485 losses, about $19.4 million | Flood is a real cost here. |
| Repetitive loss properties | 33, plus 1 severe | Some streets flood over and over. |
| Community Rating System | Class 5 | A discount on NFIP policies in high-risk zones. |
The Belmar our clients know.
The Boardwalk and Beach
A top East Coast surf spot and the center of summer.
Belmar Marina
One of the largest municipal marinas on the shore, on the Shark River.
Silver Lake
The lake at Belmar’s north end, shared with Avon.
Lake Como
The lake on the border with the borough of the same name.
Main Street
Route 71 through town, with restaurants, bars and the train station.
The St. Patrick’s Day Parade
One of the biggest in the state, every March.
An independent agency for Belmar homes and businesses.
Because we’re independent, we compare more than 25 carriers and put your house, flood, cars, boat and umbrella together.
When Route 35 floods again, you call people who already know your house.
Send us your declarations pages and we’ll show you what we’d change.
What our clients say.
Five-star reviews from Stonebrook clients on Google.
“I had a great experience with Stonebrook. Nate was incredibly knowledgeable, super informative, and just a pleasure to work with. He made everything feel easy and really went above and beyond to help me. Highly recommend.”
“I cannot recommend Nate & the whole Stonebrook Group enough. Their communication is top-notch—always quick to reply and proactive about finding better rates. It's rare to find this level of professionalism and personal attention these days. They handled everything from start to finish, saving me both time and money.”
“Sam and the entire Stonebrook team have been incredible to work with. Insurance can be stressful, but they make the process feel easy and personal. … They consistently shop the market and make sure I'm getting the best coverage at the best possible price, not just a quick quote.”
More for Belmar homeowners.
What Belmar homeowners ask us.
What insurance agency serves Belmar, NJ?
Stonebrook Insurance Group, an independent agency founded in 1982, insures Belmar homes, rentals, cars, boats and businesses.
What does Belmar mean?
“Beautiful sea.” The town was Ocean Beach, then briefly Elcho, before taking the name in 1889.
How much flood insurance has been paid in Belmar?
About $19.4 million on 485 losses, per the 2026 Monmouth County plan.
Is the E Street Band named for Belmar?
Yes, for E Street in Belmar, where the band rehearsed.
How do I get a quote?
Call (732) 905-4100, email info@stonebrookins.com, or use the form on this page.
Neighbors: Avon-by-the-Sea, Wall Township, Neptune, Spring Lake.
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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