Flood Insurance for Neptune Township
Neptune Township floods in a few places: Shark River Hills on the estuary, and Ocean Grove’s oceanfront and lakes. Homes near the water should carry flood coverage.
Written and reviewed by Nate Feuerman, Stonebrook Insurance
Updated
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Short answers
Do I need flood insurance in Neptune Township?
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 Neptune Township floods.
Homes on the Estuary
Tidal and storm flooding.
Oceanfront and Wesley and Fletcher Lakes
Surge and lake flooding.
West of Route 33
Lower risk.
Insuring a Neptune Township 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 Neptune Township address on FEMA’s map and send us the zone.
Open FEMA’s flood mapInsuring in Neptune Township?
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 Neptune Township families.
What Neptune Township families ask us.
Neighbors: Ocean Grove, Asbury Park, Bradley Beach, 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.
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