Home Insurance in Keyport, New Jersey
Homes in Keyport carry a median value of $417,100 - 31% lower than the Monmouth County median.
The typical home in Keyport was built around 1961. About 49% of homes were built before 1960, about 19 points above Monmouth County's 30%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Keyport breaks down to 50% single-family homes and 32% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 75% of owner-occupied homes in Keyport have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Keyport has an owner-occupancy rate of 50% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
75% of homes in Keyport are primarily heated with natural gas.
What's the biggest home insurance risk near Keyport? FEMA's National Risk Index points to strong wind (Very High) in Monmouth County and 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.
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 | $417,100 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 50% |
| Share of owner-occupied homes with a mortgage | 75% |
| 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)