Flood Insurance

Flood insurance is available to anyone living in one of the almost 23,000 participating NFIP communities. Homes and businesses in high-risk flood areas with mortgages from government-backed lenders are required to have flood insurance. You can get a quote or file a claim directly through the NFIP's Flood Smart website

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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.

National Flood Insurance Program (NFIP) Statistics

Middletown NFIP Stats 2020 Opens in new windowClick on the graphic to view it in a larger PDF format. Source: Multi-Jurisdictional Natural Hazard Mitigation Plan Monmouth County, NJ. 2020

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Flood Hazard Ordinance

In June 2022, Middletown adopted an update to the Flood Hazard Ordinance and mapping. Base Flood Elevation (BFE) information by address can be found on the FEMA Flood Map Service Center. Residents should reference the PRELIMINARY mapping for local building code purposes. To compare effective and preliminary mapping for a property, please use the FEMA Preliminary Flood Map Comparison Tool.

Town-wide digital FIRMS can be viewed on the FEMA Flood Map Service Center's Advance Search. Hard copies of FIRMS and maps of historical flood events can be viewed at the Eastern Branch of the Monmouth County Library (1001 NJ-35, Shrewsbury, NJ 07702).

Please contact a licensed insurance agent to discuss flood insurance options.

Read Middletown's Flood Hazard Ordinance. (PDF)

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.