All of Ocean City, New Jersey is within a floodplain, therefore everywhere on the island will flood at some point. Ocean City is continually working to improve flood protection on the island. These efforts cannot completely eliminate the chance of flooding but will reduce the frequency and the severity when it does occur.
All home and business owners who have a mortgage are required to carry flood insurance. Homeowners insurance policies do not cover loss due to flooding. Ocean City participates in the Nation Flood Insurance Program (NFIP), and is a Community Rating System (CRS) rated community. Under our current CRS rating (Class 4), most policy holders get a 30% discount on flood insurance. The rating means Ocean City’s more than 16,000 policy holders will collectively save more than $3 million every year.
Please follow the menu of links on this page for more information on all aspects of flood preparedness.
- Tide and Flood Level Predictions: Learn how to anticipate flooding and make preparations to protect safety and property.
- Flood Warning Systems: Learn about and sign up for email, text and telephone alerts and warnings in advance of flooding events.
- Elevation Certificates: Search records to find the elevation of your home (in relation to sea levels).
- Reference Elevation Disc Set: See list of locations of 111 markers attached to utility poles that illustrate the water level would reach in a 10-foot (MLW) surge.
- Floodplain Development Permit Requirements
- Flood Hazard Maps: See variety of flood hazard maps and flood insurance rate maps.
- Substantial Improvement Requirements: Learn which improvements might require elevation of your home.
