Flood Insurance for Point Pleasant Beach
Point Pleasant Beach has the ocean on one side and the inlet, river and bay around the rest. Every home near the water should carry flood insurance.
Written and reviewed by Nate Feuerman, Stonebrook Insurance
Updated
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Short answers
Do I need flood insurance in Point Pleasant Beach?
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 Point Pleasant Beach floods.
The Beachfront
Surge, as in Sandy.
Manasquan Inlet and Channel Drive
Tides and surge.
Lovelandtown and Sunshine Harbor
Back-bay flooding.
Lake Louise
Heavy-rain flooding.
Insuring a Point Pleasant Beach 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 Point Pleasant Beach address on FEMA’s map and send us the zone.
Open FEMA’s flood mapInsuring in Point Pleasant Beach?
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 Point Pleasant Beach families.
What Point Pleasant Beach families ask us.
Neighbors: Point Pleasant, Bay Head, Manasquan, Mantoloking, Brielle.
Sources for this page
- Wikipedia: Point Pleasant Beach, New Jersey
- Ocean County Multi-Jurisdictional Hazard Mitigation Plan (May 2025)
- FEMA Flood Map Service Center
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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