|Flood Information in PDF Form|
The Borough of Seaside Park has undertaken a program to reduce flood insurance premiums in Seaside Park by participating in the National Flood Insurance Program’s Community Rating System. This program requires periodic notification to Seaside Park property owners of potential flood hazards and the availability of Flood Insurance.
Located as we are on a barrier peninsula, Seaside Park is particularly vulnerable to flood damage from hurricanes and other coastal storms. Additionally, because all storm water drains to the bayfront, heavy rainfall accompanied by high tides or wind can cause serious flood damage in low-lying areas. In recognition of these hazards, the entire Borough has been designated on the Flood Insurance Rate Map for Seaside Park as a Special Flood Hazard area except properties located on the filled or bulkheaded sections of “K” Street, “K” Court, “N” Street, “O” Street or the portion of the block north of Stockton Avenue and west of Bayview Avenue which have been identified as areas of minimal flooding.
Property damage from flooding is not covered by regular homeowner’s insurance. Flood insurance for buildings and contents is available in Seaside Park. You should contact your insurance agent for information on purchasing flood insurance.
For your convenience, the Borough maintains a collection of flood insurance, flood hazard mitigation, coastal construction methods and hurricane safety publications. These materials together with the Flood Insurance Rate Map and related information are available for review at the Office of Code Enforcement located at 1201 Barnegat Avenue and at the Ocean County Upper Shores Library located at 112 Jersey City Avenue, Lavallette. Additionally, the Borough will provide Flood Map Determinations to assist in locating a property’s Flood Zone.
Flood protection and coastal storm safety for the Borough of Seaside Park, Ocean County, New Jersey
If you are not occupying the home during the hurricane seasone, please forward this notice to your tenants or other family members living in your home. Additional copies are available at Borough Hall.
The Community Rating System
The Borough of Seaside Park is currently participating in the Community Rating System (CRS) under the National Flood Insurance Program (NFIP). The CRS, administered by the Federal Emergency Management Agency (FEMA), provides that a community who performs specific activities related to flood protection, flood awareness, and flood prevention, can secure reduced flood insurance premiums for all property owners within the community.
This is the Borough’s first year of active participation within the program; our current rating within the program guideline is 10. This rating is scheduled to change. If you carry flood insurance, this will result in a premium reduction of 10. percent. The program benefits all residents by increasing flood protection, awareness, and prevention, as well as, premium reductions for flood insurance policy holders.
Standard Homeowner’s Insurance Policies do not cover losses due to floods. However, Seaside Park is a participant in the National Flood Insurance Program, which makes it possible for Seaside Park Property Owners to obtain federally backed flood insurance. This insurance is available to any owner of insurable property (a building or its contents) in Seaside Park. Tenants may also insure their personal property against flood loss.
The cost of flood insurance will vary depending upon the amount of coverage and the degree of flood hazard. We urge persons who live or own property in Seaside Park to purchase flood insurance to protect themselves from losses due to flooding. This insurance is required in certain circumstances, such as the purchase of a home with a federally backed mortgage.
CRITICAL NEW! If there is a Flood Insurance Policy lapse for any reason (sale, cancellation, etc.), any new policy will be based on the current rating system and will not be “Grand fathered”. In the event of a sale, policyholders must transfer coverage to the purchaser to provide flood insurance coverage at the “Grand fathered” (lower) rate.
Note: There is a 30-day waiting period before most flood insurance policies go into effect.
Each homeowner is reminded that local construction permits are required for most modification you may plan for your house. The municipal ordinances and/or codes contain mandatory requirements related to new or modified building construction, certain of which are included to provide protection against flooding. Each homeowner should contact the Municipal Building Department (732) 793-5100 before they build, fill, or otherwise develop any land within the Borough. It is also important, for the protection of the entire community, to notify the Municipal Building Department of any illegal filling of lands or building within the Borough that you might notice. The Seaside Park Building Department requires an elevation certificate prior to the issuance of a Certificate of Occupancy for new or substantially improved structures. Copies of all approved elevation certificates are available at the construction office located at 1201 Barnegat Avenue.
The municipal drainage system consists primarily of underground pipelines and catch basins located at street level. The Borough conducts semi-annual inspections of all catch basins under municipal jurisdiction and removes all sand and debris that has accumulated in the structure. The drainage system provides an important function in that it minimizes, where possible, localized flooding caused by rainwater.
The Borough of Seaside Park has an anti-liter ordinance, which prohibits the disposal of debris within the Municipality. This ordinance in part is for the purpose of keeping litter out of the municipal storm drainage system. Any violations should be reported to the Code enforcement Office at (732) 793-5100 or the Police Department.
The storm drainage system carries untreated storm runoff directly to Barnegat Bay. Illegal sanitary tie-in, pet wastes, and discharge of such wastes as oil, paint and fertilizer pollute the water, destroy aquatic plants, endanger wildlife and decrease the beauty of the Bay and Ocean. It is a violation of New Jersey State Law to discharge hazardous substance into the environment (including waste motor oil, petroleum products, pesticides, and herbicides). Any such discharges should be reported to the New Jersey Environmental Hotline at 1-(877) 927-6337
Property Protection Measurers
Every year, flooding in the United States causes more property damage than any other type of natural disaster. While improvements in construction practices and regulations have made new homes less prone to flood damage, there are a significant number of existing homes susceptible to flood losses. The flooding to these properties can be minimized through temporary and permanent retrofitting techniques.
One approach is to waterproof your walls and place watertight closures over the doorways. This method should be used on homes with basements or if water will not get over two feet deep.
Another approach is to raise your house above the flood level. Over 45 houses in Seaside Park over the last three years have raised the elevation of their homes above the flood level.
There are various other actions each homeowner can take to flood proof their homes. Electrical panel boxes, furnaces, water heaters, and washers and/or dryers should be located at a point in the house that is less likely to be flooded. Interior or exterior backflow water values can be installed or interior floodwalls can be placed around utilities in order to protect these essential services.
If an impending flood is apparent for the area, and time permits, the homeowner should move essential items and furniture to the upper floors of the home for protection. Materials such as sandbags, plywood, plastic sheeting, and lumber should be kept on hand for emergency waterproofing of your home. The use of these materials for a flood protection may minimize the amount of damage caused by floodwaters. It is unlikely that you get much warning of an imminent flooding situation so a detailed checklist prepared in advance would help ensure your greatest protection.
During a hurricane, homes may be damaged or destroyed by high winds and high waves. Debris can break windows and doors, allowing high winds inside the home. Roofs, windows, doors, and garage doors should be properly checked.
The Federal Insurance Administration suggest the following action when coastal storms or hurricanes are imminent:
- Turn off all electrical power at panel.
- Close main gas value.
- Move household items to the highest level you can.
- Remove cardboard boxes and newspapers as these materials can disintegrate and clog drains and vents.
- Keep a full tank of gas in your automobile.
If you leave your home, here are some essentials you should take:
- First aid supplies
- Supply of non-perishable food
- Batteries (hearing aid, flashlight)
- Battery operated portable radio
- Blankets, dry clothing, shoes, and socks
- Important papers, bank and check books
- Valuable and cherished items
- Games for children and adults
For further information on this topic, please fell free to contact the Borough’s CRS Coordinator, Geoffrey N. Schwartz. or the Office of Emergency Management Coordinator, Guy Mueller at (732) 793-5100.
There are several actions residents of Seaside Park can take to decrease the potential for injury due to flooding:
- Know the flood warning procedure
- Do not attempt to cross flowing water where water is above your knees.
- Keep children away from floodwaters, ditches, culverts, and storm drains.
- If your vehicle stalls in high water, abandon it immediately and seek higher ground.
- Evacuate the flood hazard areas in times of impending flood or when advised to do so by the police or fire department.
- Cut off all electric circuits at the fuse panel or disconnect switch. If this is not possible, turn off or disconnect all electrical appliances. Shut off the water service and gas values in your home.
- Stay away from downed power lines and electric lines. Report downed lines to the Municipal Police Department.
- Look out for animals. Small animals that have been flooded out of their homes may seek shelter in your home.
- Clean everything that gets wet. Floodwater may have contacted road chemicals, sewage, and other harmful materials.
The Borough of Seaside Park is vulnerable to coastal storms and hurricanes. Typically, severe winter storms, or Nor’easters, occur each year between Mid-October and Mid-May. The entire Borough of Seaside Park is located in a special flood hazard area and is vulnerable to flooding from the Atlantic Ocean and Barnegat Bay. The most recent significant storm occurred in December of 1992 and caused damage to homes and the boardwalk. Most of the damage occurred in the southern portion of Seaside Park.
The following is a list of contact personnel who have the knowledge, experience, and have agreed to discuss flood hazard protection methods with you.
|Borough Construction Official|
|Robin Young:||(732) 793-5100|
|Office of Emergency Management|
|Seaside Park Police Chief Francis Larkin||(732) 793-8000|
Additional information concerning flood protection assistance is available on the following websites as well as the Upper Shores Branch of the Ocean County Library:
NFIP: This community participates in the National Flood Insurance Program (NFIP). The NFIP makes federally backed flood insurance available for all buildings, whether they are in a floodplain or not. Flood insurance covers direct loss caused by surface flooding, including a river flowing over its banks, a lake or ocean storm, and local drainage problems.
The NFIP insures buildings, including mobile homes, with two types of coverage: structural and contents. Structural coverage is for the walls, floors, insulation, furnace, and other items permanently attached to the structure. Contents coverage may be purchased separately provided the contents are in an insurable building.
Mandatory Purchase Requirement: The mandatory purchase requirement applies to all forms of federal or federally related financial assistance for buildings located in a Special Flood Hazard Area (SFHA). This requirement affects loans and grants for the purchase, construction, repair, or improvements of any publicly or privately owned building in the SFHA, including machinery, equipment, fixtures, and furnishings contained in such buildings.
Financial assistance programs affected include loans and grants from agencies such as the Department of Veterans Affairs, Farmers Home Administration, Federal Housing Administration, Small Business Administration, and Federal Emergency Management Agency. The requirement also applies to secured mortgage loans from financial institutions, such as commercial lenders, savings and loan associations, savings banks, and credit unions that are regulated, supervised, or insured by federal agencies such as the Federal Deposit Insurance Corporation and the Office of Thrift Supervision. It also applies to all mortgage loans purchased by Fannie Mae or Freddie Mac in the secondary mortgage market.
How it Works: Before a person can receive a loan or other financial assistance from one of the affected agencies or lenders, there must be a check to see if the building is in a SFHA. The SFHA is the base (100-year) floodplain mapped on a Flood Insurance Rate Map (FIRM). It is shown as one or more zones that begin with the letter “A” or “V”.
Copies of the FIRM are available for review in most local government building or planning departments. Many lenders and insurance agents have copies, also. It is the agency’s or the lender’s responsibility to check the FIRM to determine if the building is in a SFHA, although many communities provide assistance.
If the building is in a SFHA, the agency or lender is required by law to require the recipient to purchase a flood insurance policy on the building. The requirement is for the structural coverage equal to the amount of the loan (or other financial assistance) or the maximum amount available, whichever is less. The maximum amount available for a single-family house is $250,000.
The mandatory purchase requirement does not affect loans or financial assistance for items that are not covered by a flood insurance policy, such as vehicles, business expenses, landscaping, and vacant lots. It does not affect loans for buildings that are not in the SFHA, even though a portion of the lot may be flood prone. While not mandated by law, a lender may require a flood insurance policy for a property in any zone on a Flood Insurance Rate Map.