Home Insurance in West Long Branch, New Jersey
Homes in West Long Branch carry a median value of $684,300 - 13% higher than the Monmouth County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in West Long Branch was built around 1966. About 39% of homes were built before 1960, about 9 points above Monmouth County's 30%.
Housing in West Long Branch breaks down to 79% single-family homes and 13% apartments in buildings with 5+ units.
In West Long Branch, about 72% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 70% of occupied homes in West Long Branch are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
87% of homes in West Long Branch are primarily heated with natural gas.
Monmouth County had 19,533 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Very High). See the full Monmouth County home insurance overview for all FEMA hazard ratings and flood coverage details.
In New Jersey, the statewide average premium for a standard HO-3 homeowners policy is $1,551 per year (NAIC, 2023 data).
Key figures
| Median home value | $684,300 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 72% |
| 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)