Community Rating System
Middletown homeowners interested in purchasing or renewing flood insurance policies may be eligible for a discount on their policies because Middletown participates in FEMA’s Community Rating System (CRS).
All standard rate policies in the Special Flood Hazard Area (SFHA) are eligible for the 15% premium reduction. Standard rated flood insurance policies in the Non-SFHA are entitled to a 5% discount. Preferred Risk Policies are available only in B, C, and X Zones for properties that are shown to have a minimal risk of flood damage. The Preferred Risk Policy does not receive premium rate credits under the CRS because it already has a lower premium than other policies.
FEMA’s CRS provides discounts for flood insurance premiums within and outside the SFHA, commonly known as the 100-year floodplain.
The Township has earned Class 7 rating for taking actions that exceed the standards of the National Flood Insurance Program (NFIP). These actions include participation in community outreach and flood warning programs, preserving 36% of the SFHA as open space, enhancing building standards and providing map information services.
For more information about CRS and floodplain management, residents can contact the Middletown Building Department at 732-615-2104 during business hours.
Flood Hazard Ordinance
Read Middletown's Recommendations Report
This online self-assessment process is a tool to assist communities to reduce vulnerability and increase preparedness by linking planning, mitigation, and adaptation. Through this assessment, you will find out how your preparedness can be worth valuable points through FEMA's Community Rating System and Sustainable Jersey.
- Monmouth County Library Repository of FEMA Information
- Monmouth County Flood Maps/Historic Floods
- National Flood Insurance Program
- Region 2 Coastal Analysis and Map - Flood Hazard Data
- What's My Base Flood Elevation (BFE)? Address Look-Up Tool
- Emergency Management - Preparedness Information
- Emergency Management - Coastal Evacuation Routes