Flood Zones: Brick vs Holiday City-Berkeley
How do flood zones rules compare between Brick, NJ and Holiday City-Berkeley, NJ?
Brick and Holiday City-Berkeley have similar restriction levels.
Brick, NJ
Ocean County
Over 10,000 of Brick Township's 45,000 structures are within FEMA flood hazard areas. The township participates in the CRS program, providing residents a 20% discount on flood insurance premiums. Brick successfully appealed FEMA to remove 50+ structures from V-zone designation.
View full Brick rules →Holiday City-Berkeley, NJ
Ocean County
Ocean County is one of the most flood-prone counties in New Jersey, with extensive FEMA-mapped Special Flood Hazard Areas along the Atlantic coast, Barnegat Bay, Toms River, and inland waterways. Each of Ocean County's 33 municipalities participates in the NFIP individually (NJ has no unincorporated areas). The NJ Flood Hazard Area Control Act (N.J.A.C. 7:13) imposes stricter standards than federal minimums, requiring lowest floors at least 1 foot above base flood elevation. The NJDEP REAL rules (adopted January 2026) further strengthen flood resilience requirements for new construction.
View full Holiday City-Berkeley rules →Key Facts Comparison
| Fact | Brick | Holiday City-Berkeley |
|---|---|---|
| Structures in Flood Zone | 10,000+ of 45,000 | - |
| CRS Discount | 20% on flood insurance | - |
| V-Zone Appeals | 50+ structures reclassified | - |
| Barrier Island | 1-mile stretch | - |
| Sea Level Rise | 1 ft = regular tidal flooding | - |
| NFIP Participation | - | Each of 33 municipalities participates individually |
| NJ Standard | - | Lowest floor 1 foot above BFE (stricter than NFIP minimum) |
| Hurricane Sandy | - | Over $2 billion in insured losses in Ocean County |
| REAL Rules | - | Adopted Jan 2026 — enhanced flood resilience for new construction |
| CAFRA | - | Coastal zone development permits required for barrier islands/bayfront |
Highlighted rows indicate differences between cities.
Brick FAQ
Is my property in a flood zone in Brick?
Over 10,000 of Brick Township's 45,000 structures are within FEMA flood hazard areas. The township participates in the CRS program, providing residents a 20% discount on flood insurance premiums. Brick successfully appealed FEMA to remove 50+ structures from V-zone designation.
Do I need flood insurance in Brick?
Structures in Flood Zone: 10,000+ of 45,000. CRS Discount: 20% on flood insurance. V-Zone Appeals: 50+ structures reclassified. Barrier Island: 1-mile stretch.
Holiday City-Berkeley FAQ
Is my property in a flood zone in Ocean County?
Ocean County is one of the most flood-prone counties in New Jersey, with extensive FEMA-mapped Special Flood Hazard Areas along the Atlantic coast, Barnegat Bay, Toms River, and inland waterways. Each of Ocean County's 33 municipalities participates in the NFIP individually (NJ has no...
Do I need flood insurance in Ocean County?
NFIP Participation: Each of 33 municipalities participates individually. NJ Standard: Lowest floor 1 foot above BFE (stricter than NFIP minimum). Hurricane Sandy: Over $2 billion in insured losses in Ocean County. REAL Rules: Adopted Jan 2026 — enhanced flood resilience for new construction.
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