Home Insurance in Tinton Falls, New Jersey
Homes in Tinton Falls carry a median value of $478,000 - 21% lower than the Monmouth County median.
The typical home in Tinton Falls was built around 1991. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 15% of homes were built before 1960, about 15 points below Monmouth County's 30%.
In Tinton Falls, the housing stock is 69% single-family homes and 28% apartments in buildings with 5+ units.
In Tinton Falls, about 67% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 84% of occupied homes in Tinton Falls are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
80% of homes in Tinton Falls are primarily heated with natural gas.
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 | $478,000 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 67% |
| 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)