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Repetitive Loss Areas, Flood Boundary Zones and Open Space Schedule of the City of North Wildwood


Cape May County Tidal Flood Interactive Map


Activity 320 – Mapping Information: 

The City of North Wildwood and representatives from the Floodplain Management Office: Ronald Simone and Patrick Malia, Building Official, provide information regarding flood map inquiries, including but not limited to information on: flood depths, BFE, LIMWA, FIRM, SFHA, V zone, historic flooding, mean high water, sea level rise, projected sea level rise, category 1 hurricane storm surge, projected special flood hazard area in 2050 and marsh migration. For additional information, please contact Ronald Simone at rsimone@northwildwood.com, (609) 522-2030 ext. 1260 or Ralph Petrella at (609) 465-2600.

Search My Property: FEMA Flood Insurance Rate Map

Activity 360 – Flood Protection Assistance:

The City of North Wildwood is a participant of the FMA (Flood Mitigation Assistance) program and has submitted an LOI (Letter of Intent) to participate in the program with the Cape May County Office of Emergency Management. Any and all repetitive loss and severe repetitive loss properties with an active flood insurance policy receive notification on an annual basis of the City’s intent to participate in the program, and as of 2016, the City has submitted 15 RL/SRL properties for participation in the program.

Additionally, the City of North Wildwood provides information on flood proofing, grant funding sources for home elevations and flood proofing, ICC (Increase Cost of Compliance) and  flood insurance – for additional information including sample policy forms for download, please scroll all the way down to the bottom of this page.


Service Provider – Ralph Petrella of Van Note Harvey Associates

PE, City Engineer, CRS Coordinator and Floodplain Manager

Phone: (609) 465-2600                   Email: ralphpetrella@vannoteharvey.com

Ralph Petrella is licensed as a PE, PLS and Planner and has been the City Engineer for the City of North Wildwood for +30 years. Ralph has an extensive track record, including several major infrastructure improvements, overseeing numerous parks and municipal building designs and constructions and has worked closely with the building official for the issuance of substantial damage letters after the devastation caused by Super Storm Sandy. Additionally, Ralph has overseen several major dredging/beach replenishment projects, and has served as the Floodplain Manager and CRS Coordinator since day 1 of the City’s enrollment and participation in the CRS program. Mr. Petrella can assist residents with any residential map inquiry relative to the following: flood depths, BFE, LIMWA, FIRM, SFHA, V zone, historic flooding, mean high water, sea level rise, projected sea level rise, category 1 hurricane storm surge, projected special flood hazard area; and also can assist residents with any questions relative to flood protection assistance.

Ralph is intimately familiar with the infrastructure of the city and the damages to property caused by flooding. He has reviewed the Flood Insurance Study for North Wildwood and he is familiar with the methods utilized in producing the Flood Insurance Rate Map. He also has extensive knowledge in cost estimating of structural damage and infrastructure improvements.

As a Civil Engineer he has been in construction procedures and cost estimating for structural repairs and infrastructure improvements. He has also have extensive training in calculating storm water runoff and hydraulics of conduits and stream flow.

To speak with Mr. Petrella regarding flood protection, mapping or construction information, please email or call him via the contact information above.




North Wildwood’s Emergency Preparedness website

North Wildwood Emergency Preparedness Information

Bfe Tool – Find your base flood elevation



Sustainable Jersey Grants and Resources


Flood Protection/Management Plan

horizontal-rule-plain Documents:

CODE RED Flood Warning registration


FEMA Documents

Useful Weblinks for New Jersey Community Officials

NFIP-FEMA Glossary

NFIP-CRS Factsheet

Mitigation Ideas – A Resource for Reducing Risk to Natural Hazards

Homeowners Guide To Elevation Certificates

FEMA Building Science Resources to Assist with Post-Storm Reconstructionhorizontal-rule-plain

Flood Insurance

Most homeowners insurance policies do not cover damage caused by flooding.

Only flood insurance policies cover physical damage to your property and possessions caused by flooding. This damage is not covered under homeowners insurance. NFIP offers up to $250,000 in flood insurance coverage for building property (your home) and up to $100,000 for personal contents (your belongings). Although these coverages fall under one policy, the coverages can be purchased separately so that renters can obtain only personal contents coverage if desired. If you are a homeowner wishing to protect your home and belongings, be sure to request both coverages.

For specific information about what’s covered and not covered, visit the National Flood Insurance Program Summary of Coverage.

The risk is real.

It doesn’t take a major body of water or a significant storm to cause flooding. A flood can occur as a result of a slow-moving rainstorm, snow melt, land development runoff, and more. High-risk areas have a 1 in 4 chance of flooding during a 30-year mortgage. And while moderate-to-low risk areas have a reduced risk of flooding, these areas are responsible for nearly 25% of flood insurance claims.

According to FloodSmart.gov, just one inch of water in a 1,000-square-foot home can cause over $10,000 in damage. That cost grows with the severity of the flood:

Estimated Cost of Flooding

in a 1,000-Square-Foot Home

Four-foot flood


One-foot flood


Six-inch flood


One-inch flood


When available, federal disaster assistance can cost more than a flood insurance policy.

Federal disaster assistance is not insurance. It is only available when a disaster is federally declared, and usually comes in the form of a loan with interest. A flood insurance policy is often the less expensive option.

The best time to buy flood insurance in New Jersey is now.

There is typically a 30-day waiting period before a policy takes effect after purchase.

Dwelling policy form

General property policy form

Residential condominium building association policy form


The City of North Wildwood in unison with the New Jersey Coastal Coalition acting as a party of the Multi-jurisdictional Program for Public Information have partnered with several local insurance companies to provide technical assistance with understanding your flood insurance policy and how your premiums are calculated.  You can contact Heist Insurance (http://www.heistinsurance.com/) at 609-399-0655 or Brown & Brown Insurance (http://www.bbinj.com/) at 609-840-4301 or Flood Rise Evaluator (FRE) (https://yourfloodrisk.com/)   at 866-599-7066.  Have your Elevation Certificate and your Insurance Policy with you when you call.