Home Insurance in Allenhurst, New Jersey
The median home value in Allenhurst is $1,152,800, 90% higher than the Monmouth County median.
The median home in Allenhurst was built in 1939 or earlier. About 80% of homes were built before 1960, about 50 points above Monmouth County's 30%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Allenhurst, the housing stock is 76% single-family homes and 11% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
28% of owner-occupied homes in Allenhurst carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Allenhurst has an owner-occupancy rate of 52% and a vacancy rate of 48%; unoccupied homes typically need a different coverage form.
In Allenhurst, 80% of homes are primarily heated with natural gas.
Monmouth County's top FEMA-rated hazard is strong wind (Very High), per FEMA's National Risk Index. Monmouth County had 19,533 active NFIP flood policies as of September 2026. See the full Monmouth County home insurance overview for all FEMA hazard ratings and flood coverage details.
In New Jersey, the statewide average premium for a standard HO-3 homeowners policy is $1,551 per year (NAIC, 2023 data).
Key figures
| Median home value | $1,152,800 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 52% |
| Share of owner-occupied homes with a mortgage | 28% |
| Top county hazard | Strong Wind (Very High) |
| Active NFIP policies in Monmouth County | 19,533 |
| 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)