Home Insurance in Oceanport, New Jersey
The median home value in Oceanport is $757,700, 25% higher than the Monmouth County median.
The typical home in Oceanport was built around 1971. About 33% of homes were built before 1960, about 3 points above Monmouth County's 30%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Oceanport breaks down to 82% single-family homes, 13% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 64% of owner-occupied homes in Oceanport have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Oceanport has an owner-occupancy rate of 83% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
84% of homes in Oceanport 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.
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 | $757,700 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 64% |
| 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)