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Flooding in Long Beach: WHAT YOU NEED TO KNOW
Life in Long Beach comes with sunshine, boardwalk views, and easy access to the ocean, but it also comes with serious flood risk. Sitting on a barrier island along the Atlantic, Long Beach faces recurring threats from coastal storms, king tides, nor’easters, and heavy rainfall. Even moderate storms can push water into streets, basements, and low-lying neighborhoods.
As of today, over 5,100 properties across Long Beach carry some level of flood risk, and many homes have experienced repeated flooding, especially during severe coastal events. Standard homeowners' insurance doesn’t cover flood damage, which is why many Long Beach, NY, residents protect their property with private flood insurance.
Whether you're east of Long Beach Road, near the bay, or just blocks from the ocean, having a flood insurance policy through Advantage Flood helps safeguard your home, finances, and peace of mind year-round.
Flood Zones in Long Beach
Long Beach spans a wide range of FEMA flood zones due to its location on a narrow barrier island. Many neighborhoods fall into Zones AE and VE, the highest-risk coastal zones, and require flood insurance if a property is financed with a federally backed mortgage.
But even homes mapped as Zone X are not completely safe. Heavy rainfall, drainage issues, and tidal backflow have caused flooding in parts of Long Beach that sit outside the most hazardous zones. FEMA data also shows that around 40% of flood insurance claims come from properties outside high-risk areas.
- West End (ZIP: 11561): Narrow streets near Reynolds Channel are vulnerable to tidal flooding and storm surge.
- Canals Neighborhood (East of Long Beach Road): This area experiences both bay flooding and drainage overflow during storms.
- Central Long Beach near Park Avenue: Aging drainage systems can struggle to keep up with heavy rainfall.
- East End near Lido Boulevard: Low elevation and proximity to the ocean increase flood exposure.
- Areas near Reynolds Channel and Blackheath Creek: These locations frequently see water rise during heavy rains combined with high tides.
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Not sure what flood zone your home sits in? Advantage Flood can help you identify your flood risk in Long Beach before you purchase private flood insurance for your property.
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When is flood season in Long Beach ?
- Hurricane Season (June–November): Storm surge from the Atlantic Ocean and the Reynolds Channel can cause sudden, severe flooding.
- Nor’easter Season (Fall through Early Spring): These multi-day storms can push water inland, elevate tides, and overwhelm drainage systems
- King Tides (Late Fall and Winter): Seasonal high tides often cause tidal flooding in shoreline neighborhoods, which can quickly occur even without rainfall / storms.
- Heavy Summer Rainstorms: Short, intense rainfall can lead to flash flooding and rapid water buildup on streets.
Common causes of flooding in Long Beach
Flooding in Long Beach is influenced by several coastal and urban factors:
Storm Surge and Coastal Flooding: The city's location on a barrier island makes it particularly vulnerable to ocean-driven storm surge
Tidal Backflow: High tides and king tides often push water into low-lying streets and nearby properties, causing flooding even with no rainfall / storms.
Urban Runoff: Rapid urbanization in Long Beach, CA, has led to a proliferation of paved surfaces, whose impervious nature limits drainage and results in flooding even with low rainfall volumes.
Drainage System Overload: Older storm drains can back up during intense rainfall.
Bay Flooding: Reynolds Channel and the lagoon areas rise quickly during storms or when winds push water inland.
Even if you’ve never experienced flooding personally, Long Beach’s unique geography makes getting private flood insurance an important and proactive choice.
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Flood Insurance Specialists
Our dedicated experts specialize in flood insurance, ensuring you receive the best advice and coverage tailored to your needs
Trusted Insurance Providers
We work with top-rated, reputable insurers to guarantee reliable and comprehensive flood protection
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We prioritize fast and hassle-free claim processing, ensuring you get the support and payout you need—when you need it most
Flood Insurance Specialists
Our dedicated experts specialize in flood insurance, ensuring you receive the best advice and coverage tailored to your needs
Trusted Insurance Providers
We work with top-rated, reputable insurers to guarantee reliable and comprehensive flood protection
Quick Claim Settlement
We prioritize fast and hassle-free claim processing, ensuring you get the support and payout you need—when you need it most
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