The single most misunderstood rule in shore renovation. If your improvements hit 50% of the structure's assessed value, the entire home has to come up to current flood code — and that changes everything about the numbers.
Read moreVE zones on the ocean block in Avalon and Stone Harbor change the math on insurance, construction, and what you can actually build. Here's what that looks like on the ground.
Read moreMost Sea Isle owners don't know which flood zone their property sits in — and the difference between AE and VE can be $4,000 a year in insurance alone. Here's what the letters actually mean at the block level.
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