Home Insurance in Bradley Beach, New Jersey
The median home value in Bradley Beach is $932,800, 54% higher than the Monmouth County median.
The typical home in Bradley Beach was built around 1962. About 49% of homes were built before 1960, about 18 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 Bradley Beach, the housing stock is 58% single-family homes and 31% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
46% of owner-occupied homes in Bradley Beach carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Bradley Beach has an owner-occupancy rate of 48% and a vacancy rate of 30%; unoccupied homes typically need a different coverage form.
72% of homes in Bradley Beach 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.
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 | $932,800 |
|---|---|
| Median year built | 1962 |
| Owner-occupied share | 48% |
| Share of owner-occupied homes with a mortgage | 46% |
| 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)