Home Insurance in Longport, New Jersey
Homes in Longport carry a median value of $1,088,000 - 269% higher than the Atlantic County median.
The typical home in Longport was built around 1975. About 29% of homes were built before 1960, in line with Atlantic County (28%). Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Longport breaks down to 78% single-family homes and 22% apartments in buildings with 5+ units.
In Longport, about 36% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 68%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 91% of occupied homes in Longport are owner-occupied.
76% of homes in Longport are primarily heated with natural gas.
FEMA rates Atlantic County's overall risk as Relatively Moderate, led by strong wind (Very High). Atlantic County had 22,641 active NFIP flood policies as of September 2026. See the full Atlantic County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in New Jersey is $1,551 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $1,088,000 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 36% |
| Top county hazard | Strong Wind (Very High) |
| Active NFIP policies in Atlantic County | 22,641 |
| Home insurance premium | $1,551 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)