Home Insurance in Loch Arbour, New Jersey
Homes in Loch Arbour carry a median value of $1,375,000 - 127% higher than the Monmouth County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The median home in Loch Arbour was built in 1939 or earlier. About 78% of homes were built before 1960, about 48 points above Monmouth County's 30%.
In Loch Arbour, the housing stock is 99% single-family homes.
38% of owner-occupied homes in Loch Arbour carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Loch Arbour has an owner-occupancy rate of 88% and a vacancy rate of 55%; unoccupied homes typically need a different coverage form.
Most homes in Loch Arbour - 87% - are primarily heated with natural gas.
What's the biggest home insurance risk near Loch Arbour? 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 | $1,375,000 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 38% |
| 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)