Flood Zones: Holiday City-Berkeley vs Jackson
How do flood zones rules compare between Holiday City-Berkeley, NJ and Jackson, NJ?
Holiday City-Berkeley and Jackson have similar restriction levels.
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 →Jackson, NJ
Ocean County
Jackson Township has flood hazard areas regulated under the Pinelands Area provisions and NJ floodplain regulations. In floodways, no development is permitted except as specifically authorized. Building floors must be at least 1 foot above the flood hazard design flood profile.
View full Jackson rules →Key Facts Comparison
| Fact | Holiday City-Berkeley | Jackson |
|---|---|---|
| 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 | - |
| Floodway | - | No development except as authorized |
| Building Elevation | - | 1 ft above flood design profile |
| State Rule | - | N.J.A.C. 7:13 |
| Pinelands | - | Additional requirements |
Highlighted rows indicate differences between cities.
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.
Jackson FAQ
Is my property in a flood zone in Jackson?
Jackson Township has flood hazard areas regulated under the Pinelands Area provisions and NJ floodplain regulations. In floodways, no development is permitted except as specifically authorized. Building floors must be at least 1 foot above the flood hazard design flood profile.
Do I need flood insurance in Jackson?
Floodway: No development except as authorized. Building Elevation: 1 ft above flood design profile. State Rule: N.J.A.C. 7:13. Pinelands: Additional requirements.
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