EZ Coastal Flood Insurance in New Jersey Protect your home with FLOOD INSURANCE Because of their location, coastal New Jersey areas are particularly susceptible to a broad range of natural hazards. Many parts of New Jersey's densely populated coast are highly vulnerable to the effects of flooding, storm surge, erosion, sea level rise, hurricanes and tropical storms. Others occur quickly, like storm surge and catastrophic storms. To learn more about coastal risks and management, visit NJ's Flooding DEP page for in-depth information on this subject.Let's get started on a quote! Flood Risks for Homes in New Jersey Because of their location, coastal New Jersey areas are particularly susceptible to a broad range of natural hazards. Many parts of New Jersey's densely populated coast are highly vulnerable to the effects of flooding, storm surge, erosion, sea level rise, hurricanes and tropical storms. Others occur quickly, like storm surge and catastrophic storms.According to The First Street Foundation Flood Model, flood risk is increasing in the state of New Jersey, and 385,400 properties currently have a substantial risk of flooding. Over the next 30 years, the number of properties with this risk will increase by another 19.1%, bringing the total number of properties with substantial risk to 459,000.The Jersey Shore is threatened by major recurrent flooding including nuisance flooding with high tides as well as devastating regional flooding from strong storms, like Hurricane Sandy. The densely populated Raritan River region is threatened by rainfall and riverine flooding. The US Army Corps of Engineers is constructing a massive series of levees to reduce the threat, but a number of towns remain at risk. Why do you need flood insurance?Homes in high-risk flood areas are required to carry flood insurance.Any property, regardless of flood zone, is susceptible to flooding as most floods are caused by heavy rain or melting snow with already saturated ground.Construction and new development is changing the natural drainage of water making more areas prone to flooding.What can you do to protect yourself?Purchase flood insurance from FEMA's National Flood Insurance Program or through a Private Market carrier.What coverage is available?Up to $250,000 of dwelling through NFIPUp to $100,000 of personal property through NFIPAdditional limits are available through Private Market carriers or excess flood markets. You Can Count on Us to Make Insurance EZ! Whether you live in coastal Ocean City, our quaint towns along the Delaware Bay or the urban areas in the north, New Jersey makes a great place to raise a family, work or vacation. At Heist Insurance Agency, we make it EZ to get the protection you need to enjoy the coastal life you've worked hard for. We will put together a policy that is right for you where you live, how you live and when you live at your home.