Insurance for Sea Bright
Sea Bright is about 1,450 people on a narrow strip between the ocean and the Shrewsbury River, and the county plan puts 99.5% of it in the 1% floodplain. Flood comes first in every Sea Bright policy, and every business one too.
Written and reviewed by Nate Feuerman, Stonebrook Insurance
Updated
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Short answers
Who insures homes in Sea Bright, NJ?
Stonebrook Insurance is an independent agency that insures Sea Bright homes, cars and businesses across more than 25 carriers.
Do I need flood insurance in Sea Bright?
Yes. Nearly the whole borough is in the 1% floodplain.
Does Sea Bright get a flood discount?
Yes, it’s a Class 6 CRS community.
Do you insure beach clubs and restaurants?
Yes.
Nauvoo, the Sea Bright skiff and the seawall.
Sea Bright was once called Nauvoo, a fishing village. The Ocean House hotel opened in 1842, the first bridge to Rumson in 1870, and the borough was formed from Ocean Township in 1889. The Sea Bright skiff, a classic surfboat, was built here.
A seawall runs the length of town, and seven members-only beach clubs line the ocean. The new Rumson-Sea Bright Bridge opened in 2025.
The county plan lists 1,950 NFIP flood losses, about $86.6 million paid, with flooding in the February 2021 nor’easter, the January 2024 storm and summer 2024 high tides. The borough plans to raise about 700 homes and a 2,600-foot bulkhead.
Everything you insure in Sea Bright.
The local facts that shape your coverage.
From Census data and local history.
| Fact | Sea Bright | Why it matters |
|---|---|---|
| Population | 1,449 (2020) | Much larger in summer. |
| Land area | 0.72 square miles | Ocean and river. |
| Land in the 1% floodplain | About 99.5% | See flood. |
| NFIP losses | 1,950, about $86.6 million | Flood claims are common. |
| CRS class | 6 | About 20% off many NFIP policies. |
| Road | Route 36 | The only road through. |
The Sea Bright our clients know.
The Seawall
The length of town.
Anchorage Beach
Public beach.
Ocean Avenue
Downtown restaurants.
Rumson-Sea Bright Bridge
Opened 2025.
The Beach Clubs
Seven of them.
An independent agency for Sea Bright.
Because we’re independent, we compare more than 25 carriers and put your home, cars and umbrella together.
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 experience overall. Responsive, knowledgeable, and easy to work with. Everything was handled clearly and efficiently.”
“Straightforward advice and great rates! I like how they don't hesitate to point you to a different agency or carrier if they feel you can get better elsewhere”
“The best people to work with. They know all there is to know about insurance. Especially Nate.”
More for Sea Bright families.
What Sea Bright families ask us.
What insurance agency serves Sea Bright, NJ?
Stonebrook Insurance Group, an independent agency founded in 1982, insures Sea Bright homes, cars and businesses.
How do I get a quote?
Call (732) 905-4100, email info@stonebrookins.com, or use the form on this page.
Neighbors: Monmouth Beach, Rumson, Fair Haven, Long Branch.
Sources for this page
- Wikipedia: Sea Bright, New Jersey
- Monmouth County Hazard Mitigation Plan 2026: Sea Bright 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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