Flood Insurance for Middletown
Most of Middletown’s flooding happens on the Bayshore, in Port Monmouth, Belford and Leonardo, where Raritan Bay and the tidal creeks meet. 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 Middletown?
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 Middletown floods.
From the 2026 Monmouth County plan.
Port Monmouth
Army Corps flood protection underway.
Belford
Compton Creek and the harbor bulkhead.
Leonardo
Dune and oyster reef built.
Waackaack, Pews, Comptons, Ware and McClees Creeks
Tidal and storm flooding.
Middletown in numbers.
From the 2026 Monmouth County plan.
| Measure | Middletown |
|---|---|
| NFIP policies | 1,918 |
| NFIP losses | 1,709, about $59,622,000 |
| Repetitive / severe repetitive loss | 114 / 8 |
| FEMA maps | June 15, 2022 |
| CRS | Class 7 |
Insuring a Middletown 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 Middletown address on FEMA’s map and send us the zone.
Open FEMA’s flood mapInsuring in Middletown?
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 Middletown families.
What Middletown families ask us.
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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