Home Insurance in Manasquan, New Jersey
Homes in Manasquan carry a median value of $988,100 - 63% higher than the Monmouth County median.
The typical home in Manasquan was built around 1958. About 53% of homes were built before 1960, about 22 points above Monmouth County's 30%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Manasquan, the housing stock is 93% single-family homes.
About 59% of owner-occupied homes in Manasquan have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Manasquan has an owner-occupancy rate of 84% and a vacancy rate of 24%; unoccupied homes typically need a different coverage form.
Most homes in Manasquan - 91% - are primarily heated with natural gas.
What's the biggest home insurance risk near Manasquan? 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in New Jersey carries a statewide average premium of $1,551 per year.
Key figures
| Median home value | $988,100 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 59% |
| 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
- Sea Girt
- Point Pleasant Beach
- Spring Lake Heights
- Spring Lake
- Point Pleasant
- Bay Head
- Mantoloking
- Lake Como
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)