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Looking for a flood insurance agent in Bernardsville? Review the directory below to compare your options.
2 agents listed
Updated May 2026
Bernardsville, NJ
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of New Jersey before hiring.
Showing 2 flood insurance agents in Bernardsville, NJ
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Frantz Gaston Jr - State Farm Insurance Agent
80 Morristown Rd Unit 18, Bernardsville, NJ 07924
(908) 373-1111
fgjagcy.com
Hurley Agency, Insurance agency
170 Douglass Ave, Bernardsville, NJ 07924
(908) 625-9959
hurleyagency.com
Flood insurance agents in Bernardsville New Jersey help homeowners and businesses secure coverage through the National Flood Insurance Program NFIP. Bernardsville is in Somerset County which has flood zones that require special policies. New Jersey law mandates that lenders require flood insurance for properties in high-risk areas.
What Does a Flood Insurance Agent in Bernardsville Cost?
Flood insurance costs in New Jersey vary by flood zone and property elevation. Typical NFIP premiums range from 700 to 2,000 dollars per year for a standard home. High-risk areas may see costs over 3,000 dollars. Private flood insurance can be cheaper or more expensive based on risk. This is general information not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
Do I need flood insurance in Bernardsville New Jersey?
If your property is in a FEMA-designated Special Flood Hazard Area your lender will require it. Even outside high-risk zones flooding can occur so many residents choose coverage. New Jersey does not have a state law requiring flood insurance but mortgage lenders do.
How does a flood insurance agent help in Bernardsville?
An agent can assess your property risk and help you choose the right NFIP or private policy. They guide you through elevation certificates and flood zone maps. This ensures you meet New Jersey building code requirements for new construction.
What is the waiting period for flood insurance in New Jersey?
Standard NFIP policies have a 30-day waiting period before coverage begins. This applies to new policies in Bernardsville. There are exceptions for loan closings so plan ahead with your agent.
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About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of New Jersey.