Insurance for Bradley Beach, Between Two Lakes and the Ocean
Bradley Beach is about two-thirds of a square mile between Ocean Grove and Avon, framed by Fletcher Lake to the north and Sylvan Lake to the south. About 4,300 people live here year-round, and up to 30,000 in summer. Rentals, flood and older shore houses are what we insure for.
Written and reviewed by Nate Feuerman, Stonebrook Insurance
Updated
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Short answers
Who insures homes in Bradley Beach, NJ?
Stonebrook Insurance is an independent agency that insures Bradley Beach homes, rentals, cars and businesses.
Does Bradley Beach flood?
Yes. Fletcher Lake, Sylvan Lake and the ocean all flood. In September 2023 Fletcher Lake flooded basements on Lake Terrace.
Does Bradley Beach get a flood insurance discount?
Yes. It’s a Class 7 Community Rating System town, which discounts NFIP policies in high-risk zones.
Do you insure summer rentals?
Yes, with landlord coverage and flood.
Ocean Park, James Bradley and the first beach badge.
In 1871 William B. Bradner and investor James A. Bradley, the developer who also founded Asbury Park, bought 54 acres between Ocean Grove and Avon, then informally called Ocean Park. The town took Bradley’s name and split from Neptune Township on March 13, 1893.
In 1929 Bradley Beach began selling tin beach badges, which the town counts as the first time a U.S. town charged bathers to use its beach. In the mid-20th century, Chinese American families from Manhattan’s Chinatown summered and bought homes here, and part of town was formally recognized as “Chinatown by the Sea” in 2023.
In 2000 the borough built 15-foot dunes out of snow fences and old Christmas trees for about $10,000. Even so, Sandy did more than $3 million in damage to the beachfront and shore homes in 2012.
Everything you insure in Bradley Beach, in one place.
The local facts that shape your coverage.
From the 2026 Monmouth County plan and Census data.
| Fact | Bradley Beach | Why it matters |
|---|---|---|
| Population | 4,282 (2020); up to 30,000 in summer | Rentals and crowds. |
| Homes vs. households | 3,221 housing units; 2,157 households (2020) | A third of homes are seasonal. |
| Area | 0.63 square miles | Tight lots. |
| NFIP flood policies | 246 | Many homes carry flood. |
| NFIP losses paid | 86 losses, about $2.8 million | Flood is real here. |
| Community Rating System | Class 7 | A discount on NFIP premiums in high-risk zones. |
The Bradley Beach our clients know.
The Promenade
The non-commercial boardwalk along the beach.
Fletcher Lake
On the Ocean Grove border, at the north end of town.
Sylvan Lake
On the Avon border, at the south end.
Main Street
Route 71, with restaurants and shops.
Bradley Beach Station
On the North Jersey Coast Line.
The Library’s Book Bike
Riding the boardwalk since 2014.
An independent agency for Bradley Beach.
Because we’re independent, we compare more than 25 carriers and put your home, cars and umbrella together.
Many of our Bradley Beach clients rent out a house or an apartment for the summer. We make sure the policy allows it.
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.
“great team of workers in office! rachel was efficent, helpful, & most important very knowledgeable. wouldn't hesitate to refer to family & friends.”
“The whole team at Stonebrook is great, especially Rebecca. Super knowledgeable about insurance and looks out for your best interest, no upselling.”
“This agency got me a better policy for a fraction of what I was paying prior. I highly recommend giving them a try!”
More for Bradley Beach homeowners.
What Bradley Beach homeowners ask us.
What insurance agency serves Bradley Beach, NJ?
Stonebrook Insurance Group, an independent agency founded in 1982, insures Bradley Beach homes, rentals, cars and businesses.
Who was Bradley Beach named for?
James A. Bradley, who also founded Asbury Park.
Was Bradley Beach the first town to charge for the beach?
The town says its 1929 tin beach badges were the first.
What is Chinatown by the Sea?
A part of Bradley Beach, formally recognized in 2023, where Chinese American families from Manhattan summered and settled.
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, Ocean Grove, Neptune Township, Belmar, Asbury Park.
Sources for this page
- Wikipedia: Bradley Beach, New Jersey
- Monmouth County Hazard Mitigation Plan 2026: Bradley Beach Borough annex
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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