Flood Insurance for Brick, Lagoon by Lagoon
Brick’s recovery report counts more than 10,000 structures in the floodplain on preliminary FEMA maps. Sandy washed out Route 35 on the island, and 202 homes were abandoned by early 2014. Here’s where Brick floods, and how to insure for it.
Written and reviewed by Nate Feuerman, Stonebrook Insurance
Updated
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Short answers
How many Brick homes have flood insurance?
4,251 NFIP policies as of April 2023.
Does Brick get a discount?
The township says compliant structures save about 20% on NFIP premiums.
Where do I find my elevation certificate?
Brick posts them at bricknj.withforerunner.com.
How long until coverage starts?
Usually 30 days for NFIP.
Brick’s flood areas.
From Brick Township’s recovery and floodplain reports.
Metedeconk River
Brick’s longest waterfront, lined with lagoons.
Barnegat Bay
Bayfront neighborhoods flood in surge.
The Barrier Island
Route 35 washed out in Sandy; power was out until February 2013.
The Only Way Out for 142 Homes
Closed by flooding about six times since 2012.
Princeton Peninsula
South Drive is a known trouble spot.
Beaver Dam, Kettle and Reedy Creeks
Inland watersheds.
Brick in numbers.
From Brick Township and the Ocean-Monmouth PPI.
| Measure | Brick |
|---|---|
| NFIP policies | 4,251 (April 2023) |
| Structures in the floodplain | Over 10,000 of about 45,000 |
| Homes abandoned after Sandy | 202 (early 2014) |
| RREM rebuild applicants | Over 1,000 |
| CRS savings | About 20% |
Insuring a Brick home for flood.
An NFIP policy covers the building up to $250,000 and contents up to $100,000. Larger homes need excess flood above it, or a private flood policy that can carry the full value and living expenses.
Brick posts elevation certificates online at bricknj.withforerunner.com, and the floodplain office answers zone questions. Your elevation certificate sets your price.
Look up your address
Search your Brick address on FEMA’s map and send us the zone.
Open FEMA’s flood mapInsuring in Brick?
We’ll quote NFIP and private flood side by side.
What our clients say.
Five-star reviews from Stonebrook clients on Google.
“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. …”
“Stonebrook was so easy to deal with and got me super competitive pricing much faster than other agencies I was dealing with. Highly recommended!”
More for Brick families.
What Brick families ask us.
How did Sandy affect Brick?
Large parts of Route 35 washed away, the island lost power until February 2013, and 202 homes were abandoned by early 2014.
Is private flood cheaper in Brick?
Sometimes, especially for elevated homes. We quote both.
Neighbors: Point Pleasant, Toms River, Howell, Bay Head, Mantoloking.
Sources for this page
- NJ DCA: Brick Township Strategic Recovery Planning Report
- Brick Township: Floodplain Information
- Ocean-Monmouth Multi-Jurisdictional Program for Public Information (Dec. 2023)
- 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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