As a resident and Realtor in the Community I will tell you it depends on the property you are looking at. Most of Ocean Grove is not in a flood zone... There are only a few areas that will require flood insurance ...
As to a flood elevation certificate most home owners might not have had one done because Ocean Grove was not a Flood Zone and Did not require flood insurance.
I know some of my neighbors have purchased flood insurance and the cost has been from 500 to 2000 per year... I hope that helps...If you have any other questions feel free to email me or go to my web site at www.roevillanova.com....
Asbury Park, NJ Email firstname.lastname@example.org