Home Insurance in Ocean County, New Jersey
With a median home value of $398,400, Ocean County is 12% lower than the New Jersey median.
The typical home in Ocean County was built around 1981. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 16% of homes were built before 1960, about 22 points below New Jersey's 38%.
The housing stock in Ocean County is 84% single-family homes, 8% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
59% of owner-occupied homes in Ocean County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 81% of occupied homes in Ocean County are owner-occupied. The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
78% of homes in Ocean County are primarily heated with natural gas.
Per FEMA's National Risk Index, Ocean County's top hazards are strong wind (Very High), winter weather (Very High) and coastal flooding (Very High).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Ocean County has 39,942 active NFIP flood policies on file.
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 | $398,400 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Very High), Winter Weather (Very High), Coastal Flooding (Very High) |
| Active NFIP flood policies (county) | 39,942 |
| Home insurance premium | $1,551 - statewide average (NAIC, 2023 data) |
Towns and cities
- Barnegat Light
- Bay Head
- Beach Haven
- Beachwood
- Harvey Cedars
- Island Heights
- Lakehurst
- Lavallette
- Mantoloking
- Ocean Gate
- Pine Beach
- Point Pleasant
- Point Pleasant Beach
- Seaside Heights
- Seaside Park
- Ship Bottom
- South Toms River
- Surf City
- Tuckerton
Sources
- 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)