Insurance for Spring Lake
Spring Lake is about 2,800 people in a Gilded Age resort town known as the “Irish Riviera,” and the county plan puts about 27% of it in the 1% floodplain. Large historic homes and flood are what we insure here.
Written and reviewed by Nate Feuerman, Stonebrook Insurance
Updated
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Short answers
Who insures homes in Spring Lake, NJ?
Stonebrook Insurance is an independent agency that insures Spring Lake homes, cars and businesses, often through high-net-worth carriers.
Does Spring Lake flood?
Yes, near Wreck Pond, the lakes and the beachfront. About 27% is in the 1% floodplain.
Does Spring Lake get a flood discount?
Yes, it’s a Class 6 CRS community.
Do you insure historic Victorian homes?
Yes, with high-net-worth carriers.
A spring-fed lake, the Gilded Age and the 1916 attack.
Spring Lake was formed on March 14, 1892, from Wall Township, named for its clear spring-fed lake, and annexed North Spring Lake in 1903. It grew as a Gilded Age resort for New York and Philadelphia society, and St. Catharine Church’s cornerstone was laid in 1901.
On July 6, 1916, a shark killed Charles Bruder off the beach here, one of the Jersey Shore attacks of that summer. The Spring Lake 5 Mile Run, started in 1977, now draws more than 10,000 runners, and the town has the highest share of Irish Americans of any U.S. town.
The county plan lists 550 flood policies and 506 paid losses, about $15.9 million, and a $4.3 million bypass culvert to drain Wreck Pond. Polypod Brook and Wreck Pond are the trouble spots.
Everything you insure in Spring Lake.
The local facts that shape your coverage.
From Census data and the 2026 Monmouth County plan.
| Fact | Spring Lake | Why it matters |
|---|---|---|
| Population | 2,789 (2020) | Larger in summer. |
| Land area | 1.33 square miles | Ocean, lakes and Wreck Pond. |
| Land in the 1% floodplain | About 27.2% | See flood. |
| NFIP losses | 506, about $15.9 million | Flood claims are common. |
| CRS class | 6 | About 20% off many NFIP policies. |
| Train | Spring Lake station | North Jersey Coast Line. |
The Spring Lake our clients know.
Spring Lake
The lake and its footbridges.
The Boardwalk
Two miles, no shops.
St. Catharine Church
On the lake.
Wreck Pond
On the south edge.
Third Avenue
Downtown shops.
An independent agency for Spring Lake.
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.
“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 Spring Lake families.
What Spring Lake families ask us.
What insurance agency serves Spring Lake, NJ?
Stonebrook Insurance Group, an independent agency founded in 1982, insures Spring Lake 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: Spring Lake Heights, Sea Girt, Belmar, Wall Township.
Sources for this page
- Wikipedia: Spring Lake, New Jersey
- Monmouth County Hazard Mitigation Plan 2026: Spring Lake 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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Tell us what you need and we’ll take it from there.