Home Insurance in Rumson, New Jersey
Homes in Rumson carry a median value of $1,679,300 - 177% higher than the Monmouth County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Rumson was built around 1969. About 42% of homes were built before 1960, about 12 points above Monmouth County's 30%.
The housing stock in Rumson is 98% single-family homes.
In Rumson, about 59% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Rumson has an owner-occupancy rate of 93% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
In Rumson, 87% of homes 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 | $1,679,300 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 93% |
| 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
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)