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Flooding in Union Beach: WHAT YOU NEED TO KNOW
Union Beach is a tight-knit coastal community offering exquisite waterfront views. Still, its location along Raritan Bay puts the community at significant year-round flood risk. Coastal storms, high tides, and heavy rainfall have repeatedly flooded Union Beach over the last decade, especially during large storms that push water inland.
Reports in recent years have shown that hundreds of properties in Union Beach face varying levels of flood risk, with many located just a few steps from the bay or near low-lying marshes. Because standard homeowners insurance doesn't cover flood damage, more residents in Union Beach, NJ, are turning to private flood insurance to safeguard their homes, finances, and peace of mind.
Whether your house is a few blocks from the shoreline or further inland near Florence Avenue, Advantage Flood's flood insurance can help protect you long before the next storm rolls in.
Flood Zones in Union Beach
Union Beach has several FEMA-designated flood zones, but the most significant are Zones AE and VE, which have the highest risk due to storm surge and tidal flooding. Generally speaking, those in these zones must have flood insurance if their homes are financed with a federally backed mortgage.
But even properties mapped as Zone X are not completely safe. Inland areas of Union Beach have suffered from drainage backups and flash flooding during heavy rains, and FEMA data indicate that about 40 percent of all flood claims come from outside high-risk zones.
- Neighborhoods near Raritan Bay: These areas are susceptible to storm surge from the bay.
- Walnut Street, Dock Street, and 1st Street (ZIP: 07735): Frequently flood due to low elevation and proximity to marshland.
- Union Avenue and Stone Road: High groundwater levels contribute to recurring flooding.
- Florence Avenue: Flash flooding occurs during heavy storms, overwhelming drainage systems.
- Neighborhoods near Flat Creek and adjacent wetlands: These areas are low-lying and hence flood more easily when rainfall coincides with high tides.
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If you’re unsure which flood zone your home falls into, Advantage Flood can help you understand your flood risk before purchasing private flood insurance in Union Beach.
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When is flood season in Union Beach ?
- Hurricane Season (June–November): Storm surge from Raritan Bay, coastal flooding, and heavy rain can all push water inland.
- Nor'easter Season (Fall- Early Spring): These storms commonly bring multi-day rain, strong winds, and higher-than-normal tides.
- Winter & Early Spring Snowmelt: Snow melting and rainfall combine to overwhelm many drainage systems.
- King Tides (Late Fall & Winter): Union Beach is particularly vulnerable to tidal flooding during these seasonal high-water events.
Because flood risks are year-round, many homeowners in Union Beach, NJ, prefer to retain private flood insurance year-round
Common causes of flooding in Union Beach
Flooding in Union Beach occurs for several reasons and is not limited to storms. These include:
Storm Surge from Raritan Bay: Union Beach is extremely vulnerable to storm surge, especially during Nor’easters and hurricanes. Strong winds push water from Raritan Bay onto land, often flooding streets, backyards, and homes well beyond the shoreline.
Nor’easters and multi-day rainfall: Nor’easters can be just as destructive as hurricanes in this part of New Jersey. Their strong, persistent winds can push bay water inland for hours, causing prolonged flooding in areas that don’t normally see high water.
Drainage system overload: Some parts of the community still deal with aging drainage infrastructure. When drainage channels can’t keep up with the demands of draining stormwater, flooding becomes more likely during even moderate weather events.
Tidal flooding and backflow: During king tides or seasonal high tides, water can rise above normal levels and back up into low-lying neighborhoods. In some cases, even calm-weather high tides can lead to minor flooding along waterfront blocks.
Runoff from nearby wetlands and marsh areas: Much of the landscape surrounding Union Beach includes marshland. When rainfall is heavy or when the bay rises, these wetlands overflow, funneling additional water into residential neighborhoods.
Even if your home has never flooded, changing weather patterns and rising water levels make getting private flood insurance in Union Beach, NJ, a smart, proactive investment.
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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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