Insurance for Middletown, from the Bayshore to Lincroft
Middletown is Monmouth County’s largest township, about 67,100 people from the Bayshore villages of Port Monmouth, Belford and Leonardo to Navesink, Locust and Lincroft. Flood on the Bayshore, family homes inland, and a lot of commuters.
Written and reviewed by Nate Feuerman, Stonebrook Insurance
Updated
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Short answers
Who insures homes in Middletown, NJ?
Stonebrook Insurance is an independent agency that insures Middletown homes, cars and businesses across more than 25 carriers.
Does Middletown flood?
The Bayshore does. About 15% of the township is in the 1% floodplain.
Does Middletown get a flood discount?
Yes. It’s a Class 7 CRS community.
Do you insure every section of Middletown?
Yes.
The Navesink Patent, 9/11 and the biggest small town.
Middletown dates to 1664 and the Navesink Patent; the Seabrook-Wilson House goes back to 1663 and Marlpit Hall to 1686. It became a township in 1693 and calls itself the Biggest Small Town in New Jersey.
On May 22, 1958, a Nike missile exploded at the Leonardo base, killing ten. On September 11, 2001, 37 residents were killed at the World Trade Center; a memorial garden opened in 2003. Sandy Hook, home to the oldest operating lighthouse in the country, is part of the township.
The county plan lists 1,709 NFIP flood losses, about $59.6 million paid, mostly on the Bayshore. The Army Corps is building flood protection in Port Monmouth, and Belford’s bulkhead is being rebuilt.
Everything you insure in Middletown.
The local facts that shape your coverage.
From Census data and local history.
| Fact | Middletown | Why it matters |
|---|---|---|
| Population | 67,106 (2020) | Monmouth’s largest. |
| Land area | 40.95 square miles | Bayshore to farms. |
| Land in the 1% floodplain | About 15% | Mostly the Bayshore. |
| NFIP losses | 1,709, about $59.6 million | Flood claims happen. |
| CRS class | 7 | Discounts on many NFIP policies. |
| Roads | Routes 35 and 36, GSP exits 109–117 | Commutes. |
The Middletown our clients know.
Lincroft
Thompson Park and Brookdale.
Navesink
Hills over the river.
Port Monmouth
The Bayshore.
Belford
The harbor.
Hartshorne Woods
On the Navesink.
Sandy Hook
Part of the township.
An independent agency for Middletown.
Because we’re independent, we compare more than 25 carriers and put your home, cars and umbrella together.
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.
“This agency got me a better policy for a fraction of what I was paying prior. I highly recommend giving them a try!”
“Great experience overall. Responsive, knowledgeable, and easy to work with. Everything was handled clearly and efficiently.”
“Straightforward advice and great rates! I like how they don't hesitate to point you to a different agency or carrier if they feel you can get better elsewhere”
More for Middletown families.
What Middletown families ask us.
What insurance agency serves Middletown, NJ?
Stonebrook Insurance Group, an independent agency founded in 1982, insures Middletown homes, cars and businesses.
How do I get a quote?
Call (732) 905-4100, email info@stonebrookins.com, or use the form on this page.
Sources for this page
- Wikipedia: Middletown Township, New Jersey
- Monmouth County Hazard Mitigation Plan 2026: Middletown Township annex
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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