Flood Zone/Map Information

The Borough of Belmar is enrolled in the Community Rating System. This participation is made possible by the Borough's involvement in executing initiatives designed to reduce flood losses, educate the residents on flood insurance and its importance in floodplain areas, and to achieve current and accurate ratings. The floodplain management activities implemented by the Borough qualify for 20% off the premium cost of flood insurance for NFIP policies issued or renewed in Special Flood Hazard Areas and a 10% reduction of flood insurance premiums on policies located outside of the Special Flood Hazard Area. For more information about the Community Rating System, visit Monmouth County's website.

Flood insurance protects dwellings in cases of water damage that is not covered under standard homeowner insurance policies. Facts concerning flood insurance:

1. Flood insurance is required for almost every mortgage issued on homes in a flood zone. 

2. If you are insuring your principal residence, coverage will apply on a replacement cost basis, provided your policy limit is equal to 80% of the full replacement cost, or you have the maximum coverage of $250,000.00 that is currently available. 

3. If you are purchasing a new home, there is no waiting period applicable to the purchase of flood insurance. New applications on homes not being acquired through sale, there's a 30 day waiting period.

4. "Grandfathered" rates on flood policies can be transferred from seller to buyer on a continuous coverage basis.

More information can be found at www.floodsmart.gov

New Jersey property owners with questions about National Flood Insurance Program rates now have a helpline to call to get the most up-to-date information. 

The number is 877-287-9804 for people who need information about their flood insurance rates based on the newly released National Flood Insurance Program Preliminary Work Maps for Monmouth, Hudson, Atlantic and Ocean counties.


2012 ABFE Map

2015 PFIRM Map

Lowest Floor Height Map (for construction purposes)

Most Restrictive BFE Map


Proposed Flood Insurance Rate Maps:

West of Route 71

Silver Lake to Como Lake


Fact Sheet:


To view different scenarios of sea level rise and the impacts to your 
property, visit http://www.njfloodmapper.org/slr/


Old Flood Insurance Rate Maps: https://www.monmouthcountylib.org/special-services-and-collections/fema-community-rating-system.html



Official FEMA Flood Map - here you can search by address to see if your property is in a flood zone 

FEMA Flood Map Viewer

You can visit the Construction Office to view a full size version of the map. 

The Borough of Belmar and representatives from the Floodplain Management Office, provide information regarding flood map inquiries, including but not limited to information on: flood depths, BFE, LIMWA, FIRM, SFHA, V zone, historic flooding, mean high water, sea level rise, projected sea level rise, category 1 hurricane storm surge, projected special flood hazard area in 2050 and marsh migration. For additional information, please contact April Claudio at clerk@belmar.com (732) 681-3700 x225.

To view high water marks from past flooding events such as Hurricane Irene and Superstorm Sandy in Belmar, visit the Monmouth County High Water Mark Initiative Storyboard


Property Protection - New Construction & Renovations


New construction and substantially improved properties have elevation certificates and have been constructed with flood protection measures. Measures to protect a home from flood damage include: elevating the home, improving grading of yards or correct drainage problems. Wind damage can be reduced by installing storm shutters or reinforced garage doors.

Homeowners can prepare to protect their home in cases where time permits by moving essentials to higher levels, covering widows and glass with plywood, bring in all outdoor furniture, bring in outdoor decor and garbage cans, put sand bags around the home, turn off electrical power, main gas valve and water main, and remove anything that can clog drains or vents. 

The CRS program does recognize "retrofitting" as a method by which homeowners can reduce damage from flooding by one of the following methods:

1. Elevate the structure above the base flood elevation

2. Construct a barrier between the home and source of flooding

3. Dry flood-proofing, or sealing of a building

4. Wet flood-proofing or construction that allows water to flow below the first floor

5. Basement protection to prevent flooding from sewer backup or sump pump failure

Belmar's Flood Damage Prevention Ordinance regulates development within the Special Flood Hazard Area. All properties in a Flood Zone must complete a Flood Hazard Development Permit when submitting permits for any type of construction.

Flood Hazard Development Permit - to be completed by all properties in a flood zone when submitting permits for any type of construction

Substantial Improvement/Damage Requirements

The National Flood Insurance Program requires that if the cost of the reconstruction, rehabilitation, addition or other improvements to a building equals or exceeds 50% of the building's market value, then the building must meet the same construction requirements as a new building. Substantially damaged buildings must be brought up to the same standards. Construction permits are required prior to building of any kind. In some instances a zoning permit may also be required (Minor Land Use Application). 


Are You Flood Ready?



Know your Evacuation Zone - Click Here to Find Your Zone


  • Evacuation Zones should not be confused with flood zones.
  • Evacuation Zones are based on storm surge values using various hypothetical storm models based on worst case scenarios.
  • Zones are established based on threat strength direction and storm surge.


The Monmouth County Division of Planning's Storm Preparedness Information website has additional information on storm updates, preparing for severe weather events, and how to respond during/after a severe weather event. The Stevens Institute Flood Advisory System Forecast website and the National Hurricane Center can be accessed at the imbedded links or thorugh the County's website and provide additional information on forecasted storm events and flood levels.


Helpful links:

What is my base flood elevation?

FEMA's website

FEMA Hurricane Sandy Flood Elevation FAQ's

Flood Elevation FAQ's

CDBG Disaster Recovery Plan Information

Rebuilding Belmar - March 16, 2013 Workshop Presentation

Disconnecting Gas for home elevations or demos

Emergency Planning -Your Kit/Your Plan                

Emergency Planning For Your Pet         

NJ Coastal Evacuation Maps       

FEMA Recovery Resources


The following publications cound be found through the Belmar Library's online catalog http://www.belmarlibrary.org/browse.php

  1. Above the Flood: Elevating Your Floodprone House, FEMA-347 (2000)
  2. Answers to Questions About the National Flood Insurance Program, F-084 (2011) 
  3. Elevated Residential Structures, FEMA-54 (1984) 
  4. Protecting Manufactured Homes from Floods and Other Hazards, FEMA P-85 (2009) 
  5. Mitigation of Flood and Erosion Damage to Residential Buildings in Coastal Areas, FEMA-257 (1994) 
  6. Protecting Building Utilities From Flood Damage, FEMA-P-348 (1999) 
  7. Protecting Floodplain Resources, FEMA-268 (1996) (
  8. Reducing Damage from Localized Flooding, FEMA 511 (2005) 


The following brocures are available in the lobby of Borough Hall at 601 Main Street for anyone to pick up:

How the NFIP works

Flood Insurance Requirements for Recipients of Federal Disaster Assistance

Floodsmart.gov - Know Your Risk

Fire Safety Checklist for Older Adults

Why You Need Flood Insurance

What You Need to Know about Federal Disaster Assistance and National Flood Insurance

Nothing Can Dampen the Joy of Home Ownership

Benefits of Flood Insurance Vs Disaster Assistance

Flood Preparation and Safety

Top Ten Facts for Consumers

Myths & Facts about NFIP