Flood Insurance for Avon, from the Shark River to Sylvan Lake
FEMA has paid about $14.7 million on 303 flood losses in Avon, from just 347 policies. Ten homes have flooded repeatedly. Backflow preventers cut 3rd Avenue’s flooding from every year to about every three, but water still comes over the bulkheads in heavy rain.
Written and reviewed by Nate Feuerman, Stonebrook Insurance
Updated
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Short answers
Is Avon-by-the-Sea in a flood zone?
A quarter of it is. About 25.8% of the borough is in the 1% floodplain and 10.2% more in the 0.2% zone.
Where does it flood?
The low area by the Shark River reaching up 2nd Avenue, 3rd Avenue where it ties into Washington Avenue, and around Sylvan Lake.
Does Avon get a CRS discount?
Yes. Avon joined the CRS in 2016; the county plan describes Class 6, about 20% off in high-risk zones.
How much flood coverage do I need?
Enough to rebuild. Many Avon homes need excess or private flood above the NFIP’s $250,000.
Avon’s flood spots, by name.
From the 2026 Monmouth County Hazard Mitigation Plan.
The Shark River and 2Nd Avenue
The low-lying area along the river reaches up 2nd Avenue and the streets around it.
3Rd Avenue
Floods where it ties into Washington Avenue (County Road). Backflow preventers reduced it to about once every three years.
1St Through 5Th Avenues
Backflow preventers at the ends; stormwater and manholes are being rebuilt.
Sylvan Lake
A $1 million dredging project and a tide valve shared with Bradley Beach are planned.
135 Washington Avenue
The former Coast Guard station, where new homes are planned inside the 1% zone.
Buyouts and Elevations
A $4.6 million program targets repetitive-loss homes.
What FEMA’s numbers show.
FEMA data (August 2024) reported in the 2026 county plan.
| Measure | Avon-by-the-Sea | What it means |
|---|---|---|
| NFIP policies in force | 347 | Roughly a quarter of Avon’s homes. |
| Paid flood losses | 303 losses, $14,693,106 | Nearly one claim per policy. |
| Repetitive-loss properties | 10 (28 losses, about $1.57 million) | Some homes flood again and again. |
| Severe repetitive-loss property | 1 (4 losses) | One home has flooded four times. |
| Community Rating System | Joined 2016; Class 6 per the plan’s overview | About 20% off NFIP premiums in high-risk zones. |
| 5-foot sea level rise | 24.9% of developed parcels | Among the county’s highest. |
The right flood policy in Avon.
An NFIP policy covers the building up to $250,000 and contents up to $100,000, after a 30-day wait. With a 2010 median home price near $1 million, many Avon homes need more.
Excess flood sits above the NFIP; private flood can carry full value and living expenses. Avon’s CRS discount makes the NFIP more competitive here than in many towns, so we quote both.
An elevation certificate can lower your price further.
Look up your address
Search your Avon address on FEMA’s map and send us the zone.
Open FEMA’s flood mapA flood checklist for Avon.
- 01
Buy Before the Season
NFIP usually takes 30 days.
- 02
Insure to Rebuild Cost
Add excess or private flood.
- 03
Add Water Backup
Backflow preventers don’t stop everything.
- 04
Move Cars Off the River Avenues
Before heavy rain at high tide.
On the river avenues?
Send us your address. 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!”
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“Had a great experience with Stonebrook. Nate was very knowledgeable regarding flood insurance on the Jersey Shore. …”
More for Avon-by-the-Sea homeowners.
What Avon-by-the-Sea homeowners ask us.
How much has FEMA paid in Avon flood claims?
About $14.7 million on 303 losses.
Do the backflow preventers stop flooding?
They reduced 3rd Avenue flooding from yearly to about every three years, but the plan says water still overtops the bulkheads in heavy rain.
Is sewer backup flood?
No. It’s a water backup endorsement on the homeowners policy.
Neighbors: Belmar, Bradley Beach, Neptune.
Sources for this page
- Monmouth County Hazard Mitigation Plan 2026, Appendix 6: Avon-by-the-Sea Borough
- Wikipedia: Avon-by-the-Sea, 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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