If you are working with a Realtor, they can use they Realtor system to determine if it is in a flood zone. There are 3 streets in particular in Sea Bright that are notorious from flooding from the river. Otherwise, most others are just fine. You can also knock on the doors of the neighbors to get opinions/reviews.
I just love Sea Bright. If you would like to chat, I'd be happy to share my knowledge of the area. You can contact me by phone or email (see below).
Hi, Beachbum. Good luck in your search for a property. To be fair, I never suggested that people should regularly expect water in their living room if they live in Sea Bright. That suggests the whole area is a place to avoid, which certainly is not true. Most of the borough stays dry. Problem properties are few and are mostly concentrated in a few block area behind the business district. There are plenty of properties that are not subject to frequent flooding. We have owned our property for several years and haven't had any water problems, even in last year's brutal series of Nor'easters which were probably what caused the damage that spawned the flood claim you discovered.
I hope that the borough government is right and that the new pumping system resolves the problem for the downtown residents. We haven't had any weather that has really tested the system yet, so I would take what your real estate agent said with a grain of salt. Also, if the house had flood problems as recently as 2010, I would definitely ask for more information from the sellers. If they dodge the question, you can figure the problem was BAD.
Have fun! I hope you enjoy all the charms that Sea Bright has to offer. It is such a happy place to spend time exploring.