Home Insurance in Long Branch, New Jersey
Homes in Long Branch carry a median value of $574,000 - 5% lower than the Monmouth County median.
The typical home in Long Branch was built around 1970. About 38% of homes were built before 1960, about 8 points above Monmouth County's 30%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Long Branch is 45% single-family homes and 37% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Long Branch, about 57% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 42% of occupied homes in Long Branch are owner-occupied. The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
75% of homes in Long Branch are primarily heated with natural gas.
FEMA rates Monmouth County's overall risk as Relatively High, led by strong wind (Very High). 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 | $574,000 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 42% |
| Share of owner-occupied homes with a mortgage | 57% |
| 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)