Insurance for Monmouth Beach
Monmouth Beach is about 3,200 people on a sliver of land between the Atlantic and the Shrewsbury River, and the county plan lists 1,729 NFIP flood losses here, about $109 million paid. Flood comes first in every Monmouth Beach policy.
Written and reviewed by Nate Feuerman, Stonebrook Insurance
Updated
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Short answers
Who insures homes in Monmouth Beach, NJ?
Stonebrook Insurance is an independent agency that insures Monmouth Beach homes, cars and businesses, often through high-net-worth carriers.
Do I need flood insurance in Monmouth Beach?
Yes. About 65% of the borough is in the 1% floodplain.
Does Monmouth Beach get a flood discount?
Yes. It’s a Class 8 CRS community.
Do you insure beach club members’ homes and boats?
Yes.
Norwegian fishermen, two beach clubs and Sandy.
Monmouth Beach was settled in 1668 and became a borough in 1906, carved from Ocean Township. Early residents were largely Norwegian fishermen, and the railroad brought summer visitors.
Two beach clubs, the Bathing Pavilion and the Bath and Tennis Club, anchor summer life. Galilee is the borough’s old fishing village.
Sandy breached the seawall along Route 36 in 2012, damaging about 237 homes and six businesses. Manahasset Creek floods streets more than 20 times a year at high tide, and the borough has raised its evacuation roads and firehouse.
Everything you insure in Monmouth Beach.
The local facts that shape your coverage.
From Census data and local history.
| Fact | Monmouth Beach | Why it matters |
|---|---|---|
| Population | 3,174 (2020) | A small barrier borough. |
| Land area | 1.04 square miles; about half the borough is water | Ocean and river. |
| Land in the 1% floodplain | About 65% | See flood. |
| NFIP losses | 1,729, about $109.4 million | Among the highest in Monmouth. |
| CRS class | 8 | Discounts on many NFIP policies. |
The Monmouth Beach our clients know.
The Seawall
Along Route 36.
Galilee
The old fishing village.
Shorelands Park
On the river.
Monmouth Beach Bathing Pavilion
Little Monmouth.
Bath and Tennis Club
Big Monmouth.
An independent agency for Monmouth Beach.
Because we’re independent, we compare more than 25 carriers, including the high-net-worth carriers in our Private Client group, 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.
“Sam and the entire Stonebrook team have been incredible to work with. Insurance can be stressful, but they make the process feel easy and personal. … They consistently shop the market and make sure I'm getting the best coverage at the best possible price, not just a quick quote.”
“great team of workers in office! rachel was efficent, helpful, & most important very knowledgeable. wouldn't hesitate to refer to family & friends.”
“The whole team at Stonebrook is great, especially Rebecca. Super knowledgeable about insurance and looks out for your best interest, no upselling.”
More for Monmouth Beach families.
What Monmouth Beach families ask us.
What insurance agency serves Monmouth Beach, NJ?
Stonebrook Insurance Group, an independent agency founded in 1982, insures Monmouth Beach 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.
Neighbors: Sea Bright, Long Branch, Rumson.
Sources for this page
- Wikipedia: Monmouth Beach, New Jersey
- Monmouth County Hazard Mitigation Plan 2026: Monmouth Beach Borough 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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