Home Insurance in Sea Isle City, New Jersey
Homes in Sea Isle City carry a median value of $1,087,300 - 150% higher than the Cape May County median.
The typical home in Sea Isle City was built around 1992. About 7% of homes were built before 1960, about 19 points below Cape May County's 25%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Sea Isle City is 73% single-family homes and 15% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 56% of owner-occupied homes in Sea Isle City have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Sea Isle City has an owner-occupancy rate of 93% and a vacancy rate of 83%; unoccupied homes typically need a different coverage form.
80% of homes in Sea Isle City are primarily heated with natural gas.
FEMA rates Cape May County's overall risk as Relatively Moderate, led by coastal flooding (Very High). Cape May County had 47,361 active NFIP flood policies as of September 2026. See the full Cape May County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
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 | $1,087,300 |
|---|---|
| Median year built | 1992 |
| Owner-occupied share | 93% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top county hazard | Coastal Flooding (Very High) |
| Active NFIP policies in Cape May County | 47,361 |
| 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)