Flood Insurance for Howell
About 8.2% of Howell is in the 1% floodplain, mostly along the Manasquan and Metedeconk Rivers. The county plan says recent flooding has mostly come from beaver dams blocking streams. Here’s where Howell floods, and how to insure for it.
Written and reviewed by Nate Feuerman, Stonebrook Insurance
Updated
To speak with an insurance advisor now, callCall an insurance advisor at (732) 905-4100Monday–Friday, 9 a.m.–5 p.m.
We’re closed right now. Leave your number and an advisor will call you back the next business morning.
Short answers
Do I need flood insurance in Howell?
Near the rivers and their tributaries, yes.
Does Howell get a CRS discount?
No; Howell doesn’t participate.
Are low-risk policies cheap?
Usually.
How long until coverage starts?
Usually 30 days for NFIP.
Howell’s flood areas.
From the 2026 Monmouth County plan.
Manasquan River
The main flood corridor; the river is undercutting a slope by one road.
Metedeconk River
Along the southern side.
Mariners Cove
The focus of repetitive-loss work; some homes were bought out.
Beaver Dams
Blocked streams cause much of the recent flooding.
Howell in numbers.
From the 2026 Monmouth County plan.
| Measure | Howell |
|---|---|
| NFIP policies | 108 |
| NFIP losses | 45, about $526,600 |
| Repetitive loss properties | 2 |
| FEMA maps | September 25, 2009 |
| CRS | Not participating |
Insuring a Howell 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.
Outside high-risk zones, many Howell homes qualify for lower-cost policies. If you’re near a stream, price it.
Look up your address
Search your Howell address on FEMA’s map and send us the zone.
Open FEMA’s flood mapInsuring in Howell?
We’ll check your zone and quote flood.
What our clients say.
Five-star reviews from Stonebrook clients on Google.
“Nate is professional, knowledgeable and honest. I would totally recommend him for your home and auto. Best place in Howel.”
“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 Howell families.
What Howell families ask us.
What causes flooding in Howell?
River flooding along the Manasquan and Metedeconk, and blocked streams, often from beaver dams.
Neighbors: Freehold, Jackson, Wall Township.
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.
Let’s discuss how we can protect what you’ve built.
Take 30 seconds to take the first step towards better coverage.
Get a quote.
Tell us what you need and we’ll take it from there.