Repetitive Loss and Severe Repetitive Loss

Middletown monitors Repetitive Loss (RL) and Severe Repetitive Loss (SRL) properties to develop a strategy to eliminate or reduce the damage to residential property and the disruption to life caused by repeated flooding. 

A RL property is any NFIP-insured property that has received two or more claim payments of more than $1,000 from the NFIP within any rolling 10-year period.

A SRL property is any NFIP-insured property that has met at least one of the following paid flood loss criteria since 1978, regardless of ownership: 

• Four or more separate claim payments of more than $5,000 each (including building and its contents)
• Two or more separate building claim payments where the total of the payments exceeds the current value of the property

Multiple losses at the same location within 10 days of each other are counted as one loss, with the payment amounts added together. The loss history includes all ownership of the property since 1978 or since the building’s construction if built after 1978. 

In Middletown, the entirety of our coastal neighborhoods is considered a Repetitive Loss Area (RLA) with the Severe Repetitive Loss Area (SRLA) located in Port Monmouth.

Map of Middletown RLAs and SRLAs from June 2022