Home Insurance in Deal, New Jersey
With a median home value of $1,642,000, Deal is 171% higher than the Monmouth County median.
The typical home in Deal was built around 1944. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 62% of homes were built before 1960, about 32 points above Monmouth County's 30%.
The housing stock in Deal is 90% single-family homes, 6% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Deal, about 46% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 73%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 67% of occupied homes in Deal are owner-occupied.
80% of homes in Deal 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 | $1,642,000 |
|---|---|
| Median year built | 1944 |
| Owner-occupied share | 67% |
| 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
- Allenhurst
- Loch Arbour
- Interlaken
- Asbury Park
- West Long Branch
- Long Branch
- Bradley Beach
- Neptune City
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)