Home Insurance in Sea Bright, New Jersey
The median home value in Sea Bright is $821,100, 35% higher than the Monmouth County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Sea Bright was built around 1976. About 26% of homes were built before 1960, about 5 points below Monmouth County's 30%.
The housing stock in Sea Bright is 48% single-family homes and 39% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 60% of owner-occupied homes in Sea Bright have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Sea Bright has an owner-occupancy rate of 70% and a vacancy rate of 19%; unoccupied homes typically need a different coverage form.
In Sea Bright, 62% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Sea Bright? 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 | $821,100 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 60% |
| 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)