Insurance for Oakhurst
Oakhurst is one of the main sections of Ocean Township, about 4,100 people between Route 35 and Monmouth Road, with Poplar Brook running through. Here’s how to insure your home, flood and cars in Oakhurst, on one page.
Written and reviewed by Nate Feuerman, Stonebrook Insurance
Updated
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Short answers
Who insures homes in Oakhurst, NJ?
Stonebrook Insurance is an independent agency that insures Oakhurst homes, flood and cars.
Is Oakhurst its own town?
No. It’s part of Ocean Township.
Does Oakhurst flood?
Homes near Poplar Brook can. In 2023, four Brookside Avenue homes were evacuated.
Does Ocean Township get a flood discount?
Yes, it’s a Class 6 CRS community.
Poplar Brook and the Eden Wooley House.
Oakhurst is bounded by Route 35, West Park Avenue, Monmouth Road and Deal Road, and is drained by Poplar Brook, which runs east to the ocean at Deal. The Eden Wooley House is now the Ocean Township Historical Museum, and Ocean Township High School is here.
When Tropical Storm Ophelia dropped nearly eight inches of rain in September 2023, four houses on Brookside Avenue had to be evacuated. The township has bought out flood-prone homes and plans a floodwall along Brookside.
The local facts that shape your coverage.
| Fact | Oakhurst | Why it matters |
|---|---|---|
| Population | 4,069 (2020) | A family section. |
| Part of | Ocean Township | Township services. |
| Brook | Poplar Brook | Flood near the brook. |
| CRS class | 6 (Ocean Township) | Flood discounts. |
Insuring a Oakhurst home.
Near Poplar Brook
Price a policy.
Sewer Backup
Add the endorsement.
Replacement Cost
Updated yearly.
Teens and Pools
An umbrella.
How we usually set up a Oakhurst home policy.
| Coverage | Typical policy | What we usually recommend in Oakhurst |
|---|---|---|
| Dwelling | A fixed limit | Replacement cost, updated each year |
| Water backup | Not included | Add it |
| Liability | $300,000 | $500,000 plus an umbrella |
Insuring a Oakhurst 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.
Brookside Avenue and streets near Poplar Brook flood first. Ocean Township’s CRS Class 6 rating means a discount on many NFIP policies.
Look up your address
Search your Oakhurst address on FEMA’s map and send us the zone.
Open FEMA’s flood mapYour car insurance in Oakhurst.
New Jersey’s 2026 minimum is $35,000/$70,000 for injuries and $25,000 for property damage. We usually recommend much more.
Higher Limits
$250,000/$500,000 or more.
Deer, Trees, Theft, Flood
Worth having.
New Drivers
List them.
Extra Liability
Recommended.
Insuring a home in Oakhurst?
We’ll compare carriers and quote it.
What our clients say.
Five-star reviews from Stonebrook clients on Google.
“I cannot recommend Nate & the whole Stonebrook Group enough. Their communication is top-notch—always quick to reply and proactive about finding better rates. It's rare to find this level of professionalism and personal attention these days. They handled everything from start to finish, saving me both time and money.”
“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.”
More for Oakhurst families.
What Oakhurst families ask us.
What insurance agency serves Oakhurst, NJ?
Stonebrook Insurance Group, an independent agency founded in 1982.
Does homeowners cover flood?
No. You need a separate flood policy.
What are New Jersey’s 2026 minimum limits?
At least $35,000 per person and $70,000 per accident for bodily injury and $25,000 for property damage, plus PIP and uninsured motorist coverage.
Neighbors: Ocean Township, West Long Branch, Deal, Elberon.
Sources for this page
- Wikipedia: Oakhurst, New Jersey
- Monmouth County Hazard Mitigation Plan 2026: Ocean Township annex
- FEMA Flood Map Service Center
- NJ Department of Banking and Insurance: auto insurance guide (2026)
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.
Take 30 seconds to take the first step towards better coverage.
Get a quote.
Tell us what you need and we’ll take it from there.