Why Coastal Risk Is Increasing in New Jersey
Rising sea levels and stronger storms have increased flood frequency from Cape May to Sandy Hook. Nor'easters bring prolonged high water and wave action that can cause damage across barrier islands and back bays. Expanding development in flood-prone areas has further raised potential losses.
How Coastal Risk Affects Homeowners Insurance
Flood must be covered separately through the National Flood Insurance Program or private flood insurers. Many homeowners also face special hurricane or wind deductibles. Underwriters consider elevation, proximity to water, and construction quality when setting rates or determining eligibility.
What to Do if Your Policy Is Not Renewed
Obtain the reason in writing, make recommended improvements such as roof upgrades or elevation adjustments, and document them with photos. Insurance professionals can help combine private, flood, and surplus options to maintain complete coverage. Continuous insurance is vital to protecting affordability and access to future coverage.
How to Strengthen a Home Against Coastal Hazards
- Install a Class A or metal roof secured with clips.
- Elevate living spaces and utilities.
- Use impact-resistant windows or shutters.
- Seal exterior openings and anchor decks.
- Maintain drainage systems and use corrosion-resistant materials.
Community Preparedness and Prevention
Dune restoration, stormwater upgrades, and strong building codes help reduce losses. Homeowners should keep evacuation plans updated and store key documents securely in digital form.
Staying Protected in a Changing Environment
Preparation, structural improvements, and continuous coverage help New Jersey homeowners protect their homes and communities from coastal hazards.