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Find Flood Insurance Agents Near You in Toms River, NJ
Browse flood insurance agents serving Toms River, New Jersey. Contact information and addresses listed below.
14 agents listed
Updated May 2026
Toms River, 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 14 flood insurance agents in Toms River, 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.
Kevin Carroll - State Farm Insurance Agent
1410 Hooper Ave, Toms River, NJ 08753
(732) 505-8525
tomsriverinsure.com
Dolly Wasielewski: Allstate Insurance
229 Washington St, Toms River, NJ 08753
(732) 557-6200
agents.allstate.com
Frank Valente: Allstate Insurance
1841 Hooper Ave Ste B, Toms River, NJ 08753
(732) 240-5050
agents.allstate.com
Arctic Risk Specialists Inc.
1415 Hooper Ave #203, Toms River, NJ 08753
(732) 372-4348
arsne.us
BHI Insurance
240 Main St, Toms River, NJ 08753
(732) 349-2300
bhi-insurance.net
Best insurance Toms River
231 Main St, Toms River, NJ 08753
(732) 201-8633
PNA Insurance Services Inc
104 Mt Ln, Toms River, NJ 08753
(908) 502-7585
Vic Hatami Insurance Agency
1520 NJ-37, Toms River, NJ 08753
(732) 506-9800
hatamiagency.com
Infinity Insurance NJ
31 Thomas St, Toms River, NJ 08753
(732) 338-8318
Mesanko Insurance Agency
1163 Washington St, Toms River, NJ 08753
(732) 505-0057
Priority Insurance Agency, LLC
17 NJ-37, Toms River, NJ 08753
(732) 244-4077
priorityinsure.com
Capacity Insurance Toms River
820 N Main St, Toms River, NJ 08753
(732) 201-5048
Great Insurance Agency Toms River
805 Cottonwood Dr, Toms River, NJ 08753
(315) 227-9787
BIG INSURANCE AGENCY
128 Dugan Ln, Toms River, NJ 08753
(201) 975-4462
biginsuranceagency.com
Flood insurance agents in Toms River help property owners navigate the National Flood Insurance Program and private market options. New Jersey law requires flood insurance for properties in high-risk zones if they have a federally backed mortgage. Toms River is located in Ocean County, which has many areas designated as Special Flood Hazard Areas due to coastal and riverine flooding risks.
What Does a Flood Insurance Agent in Toms River Cost?
Typical flood insurance costs in New Jersey range from 700 to 2,500 per year for NFIP policies, but rates can be higher for high-risk properties or those in V zones. Private market policies may offer different pricing and higher limits. Costs depend on flood zone, building elevation, and coverage amount. 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 Toms River New Jersey?
If your property is in a high-risk flood zone and has a federally backed mortgage, flood insurance is required. Even in moderate-risk zones, many homeowners choose coverage because storms can cause flooding outside mapped zones.
How does a flood insurance agent help in Toms River?
A flood insurance agent can assess your property risk, explain coverage options under the NFIP or private insurers, and help you complete the required elevation certificate. They also assist with policy renewals and claims filing.
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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.