Avalon and Sea Isle Take the Prize for Lowest Flood Insurance Rates in Cape May County

Did you know that flood insurance premiums can be reduced by up to 45%?   If a municipality participates in the Community Rating System (CRS) of Federal Emergency Management Agency’s (FEMA) program, it can earn flood insurance discounts based on the community’s voluntary efforts to reduce the risk of property damage due to (coastal) flooding.    Ratings are based on a point system.   There are 10 levels, 1 being the highest and 10 being the lowest.  With each level achieved, 500 points is awarded which equates to a 5% discount.  The highest rating in Cape May County is a level 3 that only 13 communities in the entire country have achieved.   Those two successful communities are Sea Isle City and Avalon.  Both  have been awarded a 35% discount for flood insurance.   The average cost of flood insurance nationwide is $700 per year.  In Cape May County, West Wildwood has the highest at $1,110 per year.   The lowest is Sea Isle City at $490 per year.  Sea Isle and Avalon deserve a round of applause.   The discounts not only mean cheaper flood insurance and safer communities but less worry and stress.   Their building codes require homes to be elevated to avoid damage to personal and real property.  Both Sea Isle and Avalon add at least an extra foot to the county’s required base flood elevation.  If you live 2 or 3 hours away, this is a big relief.   For more detailed information, go to:


For more information specific to Sea Isle go to:


FEMA defines base flood elevation:


For more information specific to Avalon go to:


Flood insurance is purchased through FEMA’s  National Flood Insurance Program (NFIP).   This government run program keeps flood insurance affordable.


Here are some interesting facts about homeowner’s insurance (fire, liability and personal property insurances).


Where to buy a home in Avalon NJ within walking distance to bars, restaurants and Stone Harbor

For Sale:  197 77th St., Avalon, NJSouth End Beach Block New Construction–6 Bedrooms, 6 Full Baths, 2 half baths, inground pool, cabana, elevator, screened in porch, ocean views, 4,500 square feet of living space, great location in walking distance to bars, restaurants & Stone Harbor Recreation Facilities at 82nd & Dune.   There is still time to choose your own selections through builder’s design center. 


South end Avalon beaches are the best beaches along the New Jersey Coast.  They are pristine and protected by a dune that is lush and thick.  The south end beaches are not prone to erosion like many beaches at the Jersey Shore.   Avalon is known as the “Hamptons” of New Jersey.   Why?   Because it caters to like kind clientele as the famous Hamptons on Long Island.   You can find just about every kind of luxurious home known to man whether it be a beach front castle or a bay front paradise with sunset views like none other.   The presence of the wetlands beyond the bays makes something amazing  happen when the sun begins to set.   It is a spectacular, every changing show of color and light.  If you are an early riser, this natural event is evenly matched with spectacular sunrises over the Atlantic Ocean.   https://www.visitavalonnj.com/

Stone Harbor starts at 80st St.  and has a unique character of its own.    The upper 70s numbered streets, like the property for sale shown above, puts you within walking distance to this upscale resort town.   The New York Times describes Stone Harbor as “gleaming McMansions and elegant shops.”  Get the best of both worlds by living in a quiet residential neighborhood yet be in walking distance to a number of entertainment and restaurant establishments in Avalon and Stone Harbor like the infamous Windrift Bar and Restaurant 105 https://www.windrifthotel.com/diningexperiences/restaurant-105

Or, Shimmers Bistro Bar at ICONA Golden Inn  https://icona.com/avalon/dining/shimmers-bistro/

Also at ICONA is the Avalon Brew Pub  https://icona.com/avalon/dining/shimmers-bistro/

If you are in the mood for bayside dining, try Borghi’s Restaurant by the Bay



96th St. in Stone Harbor, a short bike ride away, has many shops, bars and restaurants.  https://www.visitnj.org/nj-shopping-districts-villages/stone-harbor-downtown  82nd and Dune is Stone Harbor’s Recreation Center which offers basketball courts with lights, basketball courts under a pavilion, tennis and pickle ball courts, and soccer and softball fields.  https://www.stoneharborrecreation.com/facilties.html

Avalon does have a playground at 74th St. as well.

Most likely whoever is reading this blog is already familiar with these establishments and other close by entertainment venues and restaurants.  This blog’s purpose is to present the beautiful new construction shown above.   It offers a great location for those that like Stone Harbor as well as Avalon but can’t seem to decide where to buy between the two.    Here is the answer that may solve your dilemma.   Call the listing agent, LuAnn Mashura, to set up an appointment or ask questions at 609-374-0730.