Home Insurance in Lake Como, New Jersey
The median home value in Lake Como is $634,500, close to the Monmouth County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Lake Como was built around 1959. About 52% of homes were built before 1960, about 22 points above Monmouth County's 30%.
The housing stock in Lake Como is 77% single-family homes, 12% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 50% of owner-occupied homes in Lake Como have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 63% of occupied homes in Lake Como are owner-occupied. The vacancy rate is 27%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
87% of homes in Lake Como are primarily heated with natural gas.
Monmouth County had 19,533 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Very High). 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 | $634,500 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 50% |
| 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
- Belmar
- Spring Lake
- Avon-by-the-Sea
- Spring Lake Heights
- Neptune City
- Bradley Beach
- Sea Girt
- Asbury Park
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)