Insurance for Howell, from Ramtown to Southard
Howell is Monmouth County’s biggest township: 61 square miles and about 53,500 people, from Ramtown and Adelphia to Southard, Squankum and Fort Plains, with the Manasquan Reservoir in the middle. Family homes, homes on acreage, two rivers and a lot of Route 9 shape every Howell policy.
Written and reviewed by Nate Feuerman, Stonebrook Insurance
Updated
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Short answers
Who insures homes in Howell, NJ?
Stonebrook Insurance is an independent agency that insures Howell homes, cars and businesses across more than 25 carriers.
Does Howell flood?
Parts do. About 8.2% of Howell is in the 1% floodplain, mainly along the Manasquan and Metedeconk Rivers.
Does Howell get tornadoes?
Yes. Two EF0 tornadoes hit in June 2017, and an EF2 in April 2023 near Aldrich Road.
Can you insure a horse property or hobby farm?
Yes, often with a farm or special homeowners policy.
Governor Howell, Allaire’s iron works and the Preventorium.
Howell was formed on February 23, 1801, from part of Shrewsbury Township, and named for Richard Howell, New Jersey’s third governor. Benjamin Howell founded the Monmouth Furnace here; in 1822 James P. Allaire bought it, renamed it the Howell Works, and turned bog iron into pig iron. His preserved village is now Allaire State Park.
In 1907 newspaper editor Arthur Brisbane bought about 5,000 acres here for a children’s tuberculosis Preventorium, which ran from 1909 to 1960; the township’s municipal complex now sits on Preventorium Road. Farmingdale split off in 1903, and part of southern Howell went to Jackson in 1929.
Route 9 and Route 33 follow old Lenape paths through town, and I-195 crosses the south. Today Howell is a patchwork of sections, each with its own feel: Ramtown, Adelphia, Southard, Squankum, Fort Plains, Oak Glen, Freewood Acres and Collingwood Park.
Everything you insure in Howell.
The local facts that shape your coverage.
From Census data and the 2026 Monmouth County plan.
| Fact | Howell | Why it matters |
|---|---|---|
| Population | 53,537 (2020) | A large township. |
| Area | 61.2 square miles, Monmouth’s largest | Spread-out homes and long drives. |
| Land in the 1% floodplain | About 8.2% | See flood. |
| NFIP policies / losses | 108 / 45 losses, about $527,000 | Flood claims happen. |
| Tornadoes | June 2017 (two EF0s), April 2023 (EF2) | Wind and trees. |
| Reservoir | Manasquan Reservoir, 1,204 acres | Parkland in the middle of town. |
The Howell our clients know.
Ramtown
The largest section, about 6,300 people.
Manasquan Reservoir
Trails and boating.
Oak Glen Park
Fields and woods.
Allaire State Park
Partly in Howell, with Allaire Village.
Route 9
Shops and businesses.
Echo Lake
Alfred C. Sauer Park.
An independent agency for Howell.
Because we’re independent, we compare more than 25 carriers and put your home, cars and umbrella together.
Howell homes come in every shape, from Ramtown splits to farms on ten acres. We match each one to the carrier that wants 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.
“Nate is professional, knowledgeable and honest. I would totally recommend him for your home and auto. Best place in Howel.”
“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.”
More for Howell families.
What Howell families ask us.
What insurance agency serves Howell, NJ?
Stonebrook Insurance Group, an independent agency founded in 1982, insures Howell homes, cars and businesses.
Who is Howell named for?
Richard Howell, New Jersey’s third governor.
What is the Preventorium?
A children’s tuberculosis facility that ran here from 1909 to 1960.
How do I get a quote?
Call (732) 905-4100, email info@stonebrookins.com, or use the form on this page.
Neighbors: Freehold, Jackson, Wall Township.
Sources for this page
- Wikipedia: Howell Township, New Jersey
- Monmouth County Hazard Mitigation Plan 2026: Howell Township 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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