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Compare Flood Insurance Agents in Neptune City, NJ
Looking for a flood insurance agent in Neptune City? Review the directory below to compare your options.
4 agents listed
Updated May 2026
Neptune City, 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 4 flood insurance agents in Neptune City, 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.
Mansa Nicome - State Farm Insurance Agent
86 NJ-35, Neptune City, NJ 07753
(732) 776-9999
nicomeagency.com
World Insurance Associates LLC (formerly Amato Insurance Agency
4900 NJ-33 Suite 103, Neptune City, NJ 07753
(732) 530-6740
locations.worldinsurance.com
Dirus & Sons LLC
2100 NJ-33 #4, Neptune City, NJ 07753
(732) 988-7300
dirusnsons.com
Evolution Insurance Agency
44 Coastal Dr, Neptune City, NJ 07753
(732) 600-5876
Flood insurance agents in Neptune City New Jersey help property owners secure coverage under the National Flood Insurance Program. New Jersey law requires flood insurance for properties in high-risk flood zones with a federally backed mortgage. Agents can guide you through the 30-day waiting period for new policies and explain elevation certificate requirements specific to coastal Monmouth County.
What Does a Flood Insurance Agent in Neptune City Cost?
Typical flood insurance premiums in New Jersey range from 700 to 3,000 dollars per year for standard NFIP policies. Rates in Neptune City can be higher for properties in V zones or with low elevation. The actual cost depends on your specific flood risk, deductible choice, and coverage limits. This is general information and 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 Neptune City New Jersey?
If your property is in a Special Flood Hazard Area and you have a federally backed mortgage, flood insurance is mandatory. Even outside high-risk zones, agents can help you obtain preferred risk policies to protect against storm surge and heavy rain events common to the Jersey Shore.
How long does it take for a flood insurance policy to start in Neptune City?
Standard NFIP policies have a 30-day waiting period from the date of application and payment. An exception applies if the policy is purchased in connection with a new mortgage closing. Your agent can explain these timing rules under New Jersey insurance regulations.
What factors affect flood insurance cost in Neptune City New Jersey?
Costs depend on your property flood zone, elevation, building age, and coverage amount. In Neptune City, proximity to the Shark River and Atlantic Ocean can increase risk ratings. Agents use the NFIP rating system which considers base flood elevation and first floor height above ground.
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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.