Flood Insurance for Rumson
About 34.5% of Rumson is in the 1% floodplain, and the borough has 65 repetitive-loss properties. Here’s where it floods, and how to insure high-value homes for it.
Written and reviewed by Nate Feuerman, Stonebrook Insurance
Updated
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Short answers
Do I need flood insurance in Rumson?
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 Rumson floods.
From the 2026 Monmouth County plan.
Westpark (Washington and Grant)
Floods at full-moon high tides.
Grant and Waterman Avenues
A berm is being built.
Shrewsbury Drive and Avenue of Two Rivers
Bulkhead and tide valves planned.
Navesink Avenue and Oyster Bay Drive
Drainage and elevation planned.
Rumson in numbers.
From the 2026 Monmouth County plan.
| Measure | Rumson |
|---|---|
| NFIP policies | 435 |
| NFIP losses | 946, about $62,198,000 |
| Repetitive / severe repetitive loss | 65 / 12 |
| FEMA maps | June 15, 2022 |
| CRS | Not participating |
Insuring a Rumson 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.
Most Rumson homes cost far more than $250,000 to rebuild. Excess or private flood covers the gap and can include living expenses.
Look up your address
Search your Rumson address on FEMA’s map and send us the zone.
Open FEMA’s flood mapInsuring in Rumson?
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 Rumson families.
What Rumson families ask us.
Neighbors: Fair Haven, Sea Bright, Little Silver, Monmouth Beach.
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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