Long Branch, NJ Flood Zone Map
Last updated: August 2026
Long Branch is a Jersey Shore city devastated by Hurricane Sandy in 2012, with extensive VE zones along the Atlantic coastline. The boardwalk economy remains exposed to hurricane storm surge, and post-Sandy buyout programs are still incomplete.
Monmouth County has recorded 20,031 NFIP flood insurance claims since 1978, totaling $896.6M in payouts. Explore the full NFIP claims data by state and county to see how this area compares nationally.
FEMA Region
Region 2
NFIP Policies
23,370
Monmouth County
Avg. Premium
$956/yr
Monmouth County
NFIP Flood Insurance Claims: Monmouth County
Properties in Monmouth County have filed 20,031 NFIP flood insurance claims totaling $896.6M in payouts since 1978. The average claim payout is $45K.
Highest-Claim Years
2012
10,109 claims - $781.0M
1992
3,456 claims - $54.0M
2011
1,781 claims - $27.9M
Claims by Flood Zone
Source: OpenFEMA NFIP Claims API. Data sourced August 2026. See national claims data.
Flood Insurance Coverage: Monmouth County
Only roughly 1 in 11 households in Monmouth County carries NFIP flood insurance (9% of estimated households). This county has elevated flood risk with below-average insurance coverage, meaning many flood losses may go uninsured.
Penetration Rate
9%
roughly 1 in 11 households
Historical Claims Ratio
1 in 1
20,031 claims over 45+ years across 23,370 current policies
Avg. Claim Payout
$44,763
Per claim, county-wide since 1978
Historically, Monmouth County has averaged 1 claim for every active policy (since 1978). This compares cumulative claims against today's policy count and does not predict future claim likelihood.
Coverage data: NFIP policies as of August 2026, claims since 1978 (August 2026), population from FEMA NRI. All figures are county-wide and include Long Branch.
Not sure whether you're required to carry it? See do I need flood insurance?, or compare NFIP vs. private flood insurance.
Repetitive Loss Properties: Monmouth County
Monmouth County has 1,391 properties with multiple flood insurance losses, including 154 severe repetitive loss properties. 107 properties have received FEMA mitigation funding. Severe repetitive loss is a subset of multiple loss, not a separate count. Data sourced August 2026.
Multiple Loss
1,391
2+ claims within 10 years
Severe Repetitive Loss
154
4+ claims or 2 exceeding value
Mitigated
107
Received FEMA mitigation
By Flood Zone
Zone data available for 1,380 of 1,391 properties.
Source: OpenFEMA NFIP Multiple Loss Properties. Data sourced August 2026.
Flood Insurance Discount: Long Branch
Long Branch participates in FEMA's Community Rating System (CRS), a voluntary program that rewards communities for flood mitigation efforts beyond minimum NFIP requirements. Residents in the Special Flood Hazard Area may qualify for reduced flood insurance premiums.
CRS Class
Class 7
SFHA Premium Discount
15% off
CRS classes range from 1 (best) to 10 (no discount). Long Branch's Class 7 rating means NFIP policyholders in the SFHA can receive up to a 15% discount on their flood insurance premiums. Properties outside the SFHA may receive a 5% discount.
Source: FEMA Community Rating System, April 2026. Discounts apply to NFIP policies only.
Federal Flood Disaster History: Monmouth County
Monmouth County has been included in 14 federal flood-related disaster declarations.
...and 6 earlier declarations since 1971.
These declarations affected communities across Monmouth County, including Long Branch.
Source: OpenFEMA Disaster Declarations Summaries API. Data sourced August 2026.
Recorded Flood Events: Monmouth County
NOAA has recorded 122 flood events in Monmouth County since 1996, causing $31.1M in damage.
Costliest Events
Events by Type
Source: NOAA Storm Events Database, 1996-2026. Data sourced August 2026.
Flood Mitigation: Monmouth County
FEMA has funded mitigation for 812 properties in Monmouth County, investing $18.3M in flood risk reduction. Common mitigation actions include acquisition (buying and demolishing flood-prone structures), elevation (raising buildings above flood level), and safe rooms (wind/storm shelters for tornado and hurricane protection).
By Action Type
Source: OpenFEMA Hazard Mitigation Assistance. Data sourced August 2026. FEMA records a total payment per grant rather than per property, so the dollar figure is an estimate that splits each grant across the properties it covers; the property count is exact.
FEMA Flood Risk Profile: Monmouth County
Based on FEMA's National Risk Index, which evaluates flood risk at the county level using historical loss data, exposure, and vulnerability.
Inland Flood Risk
Relatively HighEst. annual loss: $109.6M
Coastal Flood Risk
Relatively HighEst. annual loss: $7.6M
Hurricane Risk
Relatively ModerateEst. annual loss: $16.9M
Source: FEMA National Risk Index, county-level assessment. Individual property risk may vary.
What Your Flood Zone Means in Long Branch
Long Branch is primarily at risk from coastal flooding, including hurricane storm surge, tidal flooding, and wave action. Coastal storms can push seawater inland with little warning, and properties in VE (Velocity) zones face the most severe exposure to breaking waves. The most common FEMA flood zone designations in Long Branch are Zone VE, Zone AE, Zone X. FEMA's National Risk Index estimates the county's annual expected loss from inland flooding at over $109.6M. Properties in Long Branch's VE zones face additional wave action risk beyond still-water flooding, which typically results in higher insurance premiums and stricter building requirements.
Coastal flood insurance premiums in Long Branch are typically higher than inland areas due to the destructive force of storm surge and wave action. Properties in VE zones face the highest premiums because wave damage compounds the risk beyond still-water flooding. If your property is in a Special Flood Hazard Area (SFHA) and you have a federally regulated or government-backed mortgage, federal law generally requires your lender to ensure you carry flood insurance.
Coastal flood maps are among the most frequently updated in the FEMA system, as shoreline erosion and new storm surge modeling refine the boundaries. Letters of Map Revision (LOMR) may shift VE and AE zone boundaries after major storms or updated coastal studies. Use our free lookup tool to check the current flood zone for any Long Branch address.
Long Branch, NJ Flood Zone FAQ
What flood zones are in Long Branch, NJ?
The most common FEMA flood zones in Long Branch are Zone VE, Zone AE, Zone X. Properties in these high-risk zones (SFHA) may require flood insurance with a federally regulated or government-backed mortgage.
Is flood insurance required in Long Branch?
If your Long Branch property is in a Special Flood Hazard Area (SFHA) and you have a federally regulated or government-backed mortgage, federal law generally requires your lender to ensure you carry flood insurance. Properties in Zone X are not federally required to carry flood insurance, though coverage is still recommended since about a quarter of all NFIP flood claims come from properties outside high-risk zones.
How do I check my flood zone in Long Branch?
Enter your Long Branch address in the search tool above for an instant flood zone determination. Results include your FEMA flood zone, SFHA status, base flood elevation (if available), and FIRM panel information, pulled directly from FEMA's National Flood Hazard Layer.
Does Long Branch offer flood insurance discounts?
Yes. Long Branch participates in FEMA's Community Rating System (CRS) with a Class 7 rating, qualifying residents in the Special Flood Hazard Area for up to a 15% discount on NFIP flood insurance premiums. Properties outside the SFHA may receive a 5% discount.
Has Long Branch experienced major flooding events?
Monmouth County, where Long Branch is located, has been part of 14 federal disaster declarations for flooding, hurricanes, or severe storms. The most recent was Remnants of Hurricane Ida in 2021. Federal disaster declarations are issued when flooding overwhelms local resources and triggers FEMA assistance programs.
How many flood insurance claims have been filed in Long Branch?
Monmouth County has recorded 20,031 NFIP flood insurance claims totaling $896.6M in payouts since 1978. The year with the most claims was 2012, with 10,109 claims and $781.0M in payouts. These figures cover all NFIP claims in the county, including Long Branch.
How many flood insurance policies are there in Long Branch?
Monmouth County had 23,370 NFIP flood insurance policies written or renewed over the trailing 13 months, with an average annual premium of $956. The most policies are in Zone AE (14,255 policies). These are county-level counts of policies written or renewed in the trailing 13 months, not a point-in-time count of policies in force - a policy renewed inside that window is counted twice.
How many Long Branch properties have flooded repeatedly?
Monmouth County has 1,391 properties with multiple flood losses on record, including 154 severe repetitive loss properties. These are properties that have experienced four or more NFIP claims of $5,000+ or two claims exceeding the building value.
Can my Long Branch property be removed from a high-risk flood zone?
Yes, if your property's natural ground elevation is above the Base Flood Elevation and FEMA inadvertently mapped it in a high-risk zone, you can apply for a Letter of Map Amendment (LOMA). A successful LOMA removes the property from the Special Flood Hazard Area, generally eliminating the federal mandatory flood insurance requirement. You will need an elevation certificate from a licensed surveyor. If a property was raised above the BFE with fill material, the process is a LOMR-F rather than a LOMA.
What is Base Flood Elevation in Long Branch?
Base Flood Elevation (BFE) is the predicted height of floodwaters during a 1% annual chance (100-year) flood, shown on FEMA maps as an elevation number in feet above sea level. In Long Branch's Zone VE and Zone AE areas, BFE lines appear on the FIRM as wavy contours labeled with elevation values. Properties with a lowest floor at or above the BFE typically qualify for significantly lower NFIP flood insurance premiums.
Other New Jersey Cities
Understanding Flood Zones
See the Flood Map for Any Long Branch, NJ Address
Enter a Long Branch, NJ address to view its FEMA flood map, zone designation, SFHA status, and insurance requirements.
Disclaimer: Flood risk data on this page is sourced from FEMA datasets including the National Risk Index, NFIP claims and policy records, disaster declarations, and the Community Rating System. These datasets were last extracted on August 2026 and may not reflect the most recent changes. Always verify current flood zone status through FEMA or a licensed determination provider before making property, insurance, or lending decisions.