Flood Insurance for Cape May
Cape May’s highest point is 14 feet above sea level, at Washington and Jackson Streets. The ocean is on one side and the harbor on the other. Historic homes are expensive to restore after water gets in.
Written and reviewed by Nate Feuerman, Stonebrook Insurance
Updated
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Short answers
Do I need flood insurance in Cape May?
Most homes should have it.
Is the NFIP enough?
Not for larger homes or inns.
Can old homes be elevated?
Sometimes; historic rules apply. Ask the city.
How long until coverage starts?
Usually 30 days for NFIP.
How Cape May floods.
Beachfront
Surge and waves.
The Harbor Side
Back-bay flooding.
Low Streets
Rain on a high tide.
Old Foundations
Water finds a way in.
Insuring a Cape May 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.
For a Victorian or an inn, private flood can cover the full value and lost income. Elevation drives the price.
Look up your address
Search your Cape May address on FEMA’s map and send us the zone.
Open FEMA’s flood mapInsuring in Cape May?
We’ll quote NFIP, excess 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 Cape May homeowners.
What Cape May homeowners ask us.
What is Cape May’s elevation?
About 10 feet, with the highest point at 14 feet.
Sources for this page
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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