Insurance for Avon-by-the-Sea, from Sylvan Lake to the Shark River
Avon is about half a square mile, with the ocean on one side, Sylvan Lake on the north and the Shark River on the south. A quarter of it is in FEMA’s 1% floodplain, and FEMA has paid about $14.7 million on 303 flood claims here.
Written and reviewed by Nate Feuerman, Stonebrook Insurance
Updated
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Short answers
Who insures homes in Avon-by-the-Sea?
Stonebrook Insurance is an independent agency that insures Avon homes, cars and businesses, comparing more than 25 carriers.
Does Avon flood?
Yes. About 25.8% of the borough is in the 1% floodplain, and FEMA has paid about $14.7 million on 303 flood losses.
Does Avon get a flood insurance discount?
Yes. Avon joined FEMA’s Community Rating System in 2016; the county plan describes a Class 6 rating, worth about 20% off NFIP premiums in high-risk zones.
Where does Avon flood?
Mainly the low avenues by the Shark River, especially 2nd and 3rd Avenues, and around Sylvan Lake.
Key East becomes Avon.
The area was once called Key East. In 1883 the Avon Inn went up at the foot of Sylvania Avenue, and the town that grew around it became Avon-by-the-Sea, named either for the inn or for Avon in England. It was incorporated from part of Neptune City on March 23, 1900, and has run under a Walsh Act commission since 1919.
It’s small and close-knit: about 1,900 people, a third of them over 65, in Victorian and shore homes between Sylvan Lake, known for its swans, and the Shark River inlet with its drawbridges. In 2000, 36.5% of residents claimed Irish ancestry, the third-highest share of any U.S. town.
It’s also one of the most flood-exposed towns on the Monmouth coast, and we write every Avon policy with that in mind.
Everything you insure in Avon, in one place.
Each guide is written for Avon-by-the-Sea.
The local facts that shape your coverage.
From the 2026 Monmouth County Hazard Mitigation Plan and Census data.
| Fact | Avon-by-the-Sea | Why it matters |
|---|---|---|
| Population | 1,933 (2020 census) | A third of residents are over 65. |
| Area | About 0.4 sq mi of land | Ocean, lake and river on three sides. |
| Area in the 1% floodplain | 25.8% (10.2% more in the 0.2%) | See flood. |
| NFIP claims paid | 303 losses, about $14.7 million | From 347 policies, nearly one claim per policy. |
| Repetitive-loss properties | 10, plus 1 severe | Some homes flood again and again. |
| 5-foot sea level rise | 24.9% of developed parcels | One of the highest exposures in the county. |
| Forbes median home price (2010) | $989,212 | Rebuild values often exceed NFIP limits. |
The Avon our clients know.
Sylvan Lake
The swan lake on the Bradley Beach line, where a concrete wall was replaced with a natural slope.
The Shark River
The borough’s southern edge, with the inlet and its drawbridges to Belmar.
The Beachfront
Ocean Avenue and the boardwalk along a quiet, family beach.
Main Street (Route 71)
The borough’s main road and small business strip.
Avon Elementary
The borough’s PreK–8 school; high schoolers go to Manasquan or Asbury Park.
Sylvania Avenue
Where the 1883 Avon Inn gave the town its name.
An independent agency for a flood town.
In a town where nearly every flood policy has had a claim, carrier choice matters. Because we’re independent, we compare more than 25 for home and quote NFIP and private flood side by side.
When the Shark River comes up 3rd Avenue again, you call people who already know your house.
Send us your declarations pages and we’ll show you what we’d change.
What our clients say.
Five-star reviews from Stonebrook clients on Google.
“The best people to work with. They know all there is to know about insurance. Especially Nate.”
“The team at Stonebrook was communicative and responsive. Rebecca took the time to answer all my questions, and was efficient in understanding my needs and meeting them.”
“Really happy with Stonebrook Insurance. The team was super easy to work with and always got back to me quickly. They made the whole process simple and stress-free. Would definitely recommend them to anyone looking for good coverage and great service.”
More for Avon-by-the-Sea homeowners.
What Avon-by-the-Sea homeowners ask us.
What insurance agency serves Avon-by-the-Sea, NJ?
Stonebrook Insurance Group, an independent agency founded in 1982, insures Avon homes, cars and businesses.
How did Avon get its name?
From the Avon Inn, built in 1883, or from Avon in England. The area was earlier called Key East.
How much flood insurance has FEMA paid in Avon?
About $14.7 million on 303 losses, per August 2024 FEMA data in the 2026 county plan.
Does Avon get a CRS discount?
Avon joined the Community Rating System in 2016. The county plan describes Class 6 (about 20%), though one table lists Class 7. We’ll confirm your discount when we quote.
How do I get a quote?
Call (732) 905-4100, email info@stonebrookins.com, or use the form on this page.
Neighbors: Belmar, Bradley Beach, Neptune.
Sources for this page
- Wikipedia: Avon-by-the-Sea, New Jersey
- Monmouth County Hazard Mitigation Plan 2026, Appendix 6: Avon-by-the-Sea Borough
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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