Home Insurance in Barnegat Light, New Jersey
The median home value in Barnegat Light is $1,107,800, 178% higher than the Ocean County median.
The typical home in Barnegat Light was built around 1980. About 19% of homes were built before 1960, about 3 points above Ocean County's 16%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Barnegat Light breaks down to 92% single-family homes and 5% apartments in buildings with 5+ units.
In Barnegat Light, about 42% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 95% of occupied homes in Barnegat Light are owner-occupied. The vacancy rate is 83%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Barnegat Light, 83% of homes 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.
Ocean County's top FEMA-rated hazard is strong wind (Very High), per FEMA's National Risk Index. Ocean County had 39,942 active NFIP flood policies as of September 2026. See the full Ocean 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 | $1,107,800 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 95% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top county hazard | Strong Wind (Very High) |
| Active NFIP policies in Ocean County | 39,942 |
| 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)