Home Insurance in Monmouth Beach, New Jersey
The median home value in Monmouth Beach is $995,000, 64% 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 typical home in Monmouth Beach was built around 1976. About 14% of homes were built before 1960, about 16 points below Monmouth County's 30%.
In Monmouth Beach, the housing stock is 58% single-family homes and 36% apartments in buildings with 5+ units.
About 52% of owner-occupied homes in Monmouth Beach have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Monmouth Beach has an owner-occupancy rate of 84% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
Most homes in Monmouth Beach - 60% - are primarily heated with natural gas.
What's the biggest home insurance risk near Monmouth Beach? 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 | $995,000 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 52% |
| 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)