Flood Insurance for Red Bank
About 5% of Red Bank is in the 1% floodplain, but Water Street has flooded several times since 2021, and flash floods hit in 2022, 2023 and 2024. Riverfront homes and businesses need flood coverage.
Written and reviewed by Nate Feuerman, Stonebrook Insurance
Updated
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Short answers
Do I need flood insurance in Red Bank?
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 Red Bank floods.
From the 2026 Monmouth County plan.
Along the Navesink
River flooding.
Route 35 at the River
Flooded several times since 2021.
Locust Avenue Area
Named in the county plan.
Red Bank in numbers.
From the 2026 Monmouth County plan.
| Measure | Red Bank |
|---|---|
| Land in the 1% floodplain | About 5.1% |
| NFIP policies | 41 |
| NFIP losses | 35, about $4,860,000 |
| Repetitive loss properties | 3 |
Insuring a Red Bank 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 Red Bank address on FEMA’s map and send us the zone.
Open FEMA’s flood mapInsuring in Red Bank?
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 Red Bank families.
What Red Bank families ask us.
Neighbors: Fair Haven, Little Silver, Middletown, Tinton Falls, Rumson.
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.
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Tell us what you need and we’ll take it from there.