Flood Insurance for Asbury Park, from Wesley Lake to Deal Lake
On September 29, 2023, more than seven inches of rain fell on a high tide. Wesley Lake spilled onto Lake Avenue and Deal Lake onto Deal Lake Drive, and most of the businesses on Lake Avenue from Main Street to Ocean Avenue were damaged. In Asbury Park, the lakes are the flood risk most people forget.
Written and reviewed by Nate Feuerman, Stonebrook Insurance
Updated
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Short answers
Is Asbury Park in a flood zone?
Parts of it. About 14.7% of the city is in the 1% floodplain, mostly around Wesley, Sunset and Deal Lakes and the ocean.
What flooded in September 2023?
Lake Avenue from Main Street to Ocean Avenue, and Deal Lake Drive. The Asbury Festhalle & Biergarten closed for good afterward.
Does Asbury Park get a CRS discount?
No. Asbury Park doesn’t participate in the Community Rating System.
How long does flood coverage take to start?
NFIP policies usually take 30 days. Some private policies start sooner.
Asbury Park’s flood spots, by name.
From the 2026 Monmouth County Hazard Mitigation Plan.
Wesley Lake and Lake Avenue
Overflowed in September 2023. A $12 million project for larger outfall pipes and an automatic dredge flume is planned.
Deal Lake and Deal Lake Drive
Overflowed in 2023. A $2.5 million plan would dredge the lake, add living shorelines and an automatic tide gate.
Sunset Lake
Outfall pipes clog with sediment; cleanup is estimated at $35 million.
The Beachfront
The DPW yard and the sewer treatment plant sit on the beach and are being floodproofed.
403 Lake Avenue
The Townhouses at Lake are in both the 1% and 0.2% zones.
Stormwater Lines
An $18 million plan would rebuild the city’s stormwater lines.
What FEMA’s numbers show.
FEMA data (August 2024) reported in the 2026 Monmouth County plan.
| Measure | Asbury Park | What it means |
|---|---|---|
| NFIP policies in force | 458 | Many condo and business owners carry it; many homeowners don’t. |
| Paid flood losses | 74 losses, $4,025,878 | Lake floods are expensive. |
| Repetitive-loss properties | 5 (11 losses, about $1.52 million) | Some addresses flood again and again. |
| Community Rating System | Not participating | No CRS discount; compare private flood. |
| Current FEMA flood map | Effective June 15, 2022 | Check your zone. |
| Planned home elevations | $10 million, repetitive-loss homes first | Grant help may be available. |
The right flood policy in Asbury Park.
An NFIP policy covers the building up to $250,000 and contents up to $100,000, after a 30-day wait. Condo associations carry their own building flood policy; unit owners need contents and improvements coverage.
Private flood can carry higher limits and living expenses. Businesses on Lake Avenue should also look at business income coverage that responds to flood, which a standard policy doesn’t.
Because Asbury Park has no CRS discount, we quote both.
Look up your address
Search your Asbury Park address on FEMA’s map and send us the zone. We’ll quote NFIP and private flood side by side.
Open FEMA’s flood mapA flood checklist for Asbury Park.
- 01
Buy Before the Season
NFIP coverage usually starts 30 days after purchase.
- 02
Condo Owners: Check the Master Policy
Know what the association’s flood policy covers, and what it doesn’t.
- 03
Businesses: Add Flood Business Income
Most business income coverage excludes flood.
- 04
Add Water Backup
Sewer backup isn’t flood.
- 05
Move Cars Off Lake Avenue
Before big rain at high tide.
Near one of the lakes?
Send us your address and policy. We’ll quote NFIP and private 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 Asbury Park homeowners.
What Asbury Park homeowners ask us.
Do I need flood insurance in Asbury Park?
If you’re near Wesley, Sunset or Deal Lake or the ocean, yes, even without a lender requirement.
How much has FEMA paid in Asbury Park flood claims?
About $4.03 million on 74 losses, per FEMA data from August 2024.
What happened on September 29, 2023?
Over seven inches of rain at high tide pushed Wesley Lake onto Lake Avenue and Deal Lake onto Deal Lake Drive, damaging many businesses.
Does a condo association’s flood policy cover my unit?
Usually only the building. Your belongings and improvements need your own flood policy.
Is sewer backup covered by flood insurance?
No. It’s a water backup endorsement on your homeowners policy.
Neighbors: Ocean Grove, Neptune, Interlaken, Loch Arbour, Allenhurst, Bradley Beach.
Sources for this page
- Monmouth County Hazard Mitigation Plan 2026, Appendix 4: City of Asbury Park
- Wikipedia: Asbury Park, New Jersey
- FEMA Flood Map Service Center
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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