Two residents use a boat to get back to their house in Toms River after superstorm Sandy flooded their neighborhood. Robert Ward / Staff Photographer Residents use a boat to get back to their house on Grantwood Drive in Toms River on Oct. 30, 2012 -- a day after superstorm Sandy pummeled New Jersey. Many homeowners have since faced sharp increases in flood insurance. DAILY RECORD FILE PHOTO Two residents use a boat to get back to their house in Toms River after superstorm Sandy on Oct. 30.  Robert Ward/Staff Photographer Toms River, NJ, 10/30/12 ----- Gazebo lies in the middle of a flooded Grantwood drive, while two residents use boat to get back to their house, in Toms River, NJ. The flooding was from the aftermath of Hurricane Sandy.   NJ SANDY2012, 103012  Robert Ward / Asbury Park Press, NJ