Flood Insurance for Manasquan
About 56% of Manasquan is in the 1% floodplain, from the Inlet and oceanfront to Stockton Lake and the creeks. Here’s where it floods, and how to insure for it.
Written and reviewed by Nate Feuerman, Stonebrook Insurance
Updated
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Short answers
Do I need flood insurance in Manasquan?
Near the water or in a mapped zone, yes.
Does homeowners cover flood?
No.
Does flood cover my car?
No. Comprehensive does.
How long until coverage starts?
Usually 30 days for NFIP.
How Manasquan floods.
From the 2026 Monmouth County plan.
Manasquan Inlet and the River
Surge and tides.
The Oceanfront
Storm surge.
Stockton Lake
The north side.
Watson and Crabtown Creeks
Back-bay flooding.
Manasquan in numbers.
From the 2026 Monmouth County plan.
| Measure | Manasquan |
|---|---|
| NFIP policies | 1,132 |
| NFIP losses | 2,224, about $107,241,000 |
| Repetitive / severe repetitive loss | 120 / 13 |
| CRS | Class 7 |
Insuring a Manasquan 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.
Elevation drives the price on both, so keep your elevation certificate.
Look up your address
Search your Manasquan address on FEMA’s map and send us the zone.
Open FEMA’s flood mapInsuring in Manasquan?
We’ll check your zone and quote 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 Manasquan families.
What Manasquan families ask us.
Neighbors: Brielle, Sea Girt, Point Pleasant Beach, Wall Township, Spring Lake Heights.
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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