Home Insurance in Stone Harbor, New Jersey
Stone Harbor's median home value is $2,000,000+.
The typical home in Stone Harbor was built around 1978. About 31% of homes were built before 1960, about 6 points above Cape May County's 25%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Stone Harbor, the housing stock is 86% single-family homes and 6% apartments in buildings with 5+ units.
In Stone Harbor, about 41% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 85%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 89% of occupied homes in Stone Harbor are owner-occupied.
Most homes in Stone Harbor - 74% - are primarily heated with natural gas.
Cape May County's top FEMA-rated hazard is coastal flooding (Very High), per FEMA's National Risk Index. 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in New Jersey carries a statewide average premium of $1,551 per year.
Key figures
| Median home value | $2,000,000+ |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 41% |
| 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)