FEMA flood zone rules in Toms River, NJ — also called floodplain regulations or special flood hazard area (SFHA) rules — determine flood insurance requirements and elevation standards for new construction.
Toms River has extensive FEMA flood hazard areas along Barnegat Bay, the Toms River, and the Atlantic Ocean (Ortley Beach). Chapter 313 (Flood Damage Prevention) requires compliance with FEMA standards and NJ UCC. Most developed mainland areas east of Fischer Blvd have elevations below the 100-year flood level of 6.6 feet.
Toms River Township (FEMA Community No. 345293) contains extensive flood hazard areas identified in the Flood Insurance Study for Ocean County. Areas adjacent to Barnegat Bay, the Toms River, Long Swamp Creek, Silver Bay, Polhemus Creek, and the Atlantic Ocean are mapped in special flood hazard zones. Most developed mainland areas east of Fischer Boulevard and east of Hooper Avenue in the Silverton section have elevations below the 100-year flood level of Barnegat Bay at 6.6 feet above mean sea level. Ortley Beach barrier island areas west of Route 35 are also below the 100-year flood level. Chapter 313 (Flood Damage Prevention) prohibits construction or alteration without compliance with flood hazard reduction provisions and the NJ UCC (N.J.A.C. 5:23). Buildings must be anchored and elevated above base flood elevation. Development must also conform to Chapters 438 (Soil Disturbance), 417 (Trees), and 497 (Watercourses and Coastal Wetlands). Superstorm Sandy (2012) caused devastating damage to the Ortley Beach area.
Construction without compliance with Chapter 313 is prohibited. Violators face municipal fines and potential loss of flood insurance eligibility. FEMA may deny claims for non-compliant structures.
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