Home Insurance in Sea Girt, New Jersey
Sea Girt's median home value is $2,000,000+.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Sea Girt was built around 1959. About 51% of homes were built before 1960, about 21 points above Monmouth County's 30%.
Housing in Sea Girt breaks down to 97% single-family homes.
45% of owner-occupied homes in Sea Girt carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 29%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 87% of occupied homes in Sea Girt are owner-occupied.
Most homes in Sea Girt - 92% - are primarily heated with natural gas. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Monmouth County's top FEMA-rated hazard is strong wind (Very High), per FEMA's National Risk Index. 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 | $2,000,000+ |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 45% |
| 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
- Manasquan
- Spring Lake Heights
- Spring Lake
- Point Pleasant Beach
- Lake Como
- Belmar
- Point Pleasant
- Bay Head
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)