Home Insurance in Bay Head, New Jersey
Homes in Bay Head carry a median value of $1,864,000 - 368% higher than the Ocean County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Bay Head was built around 1963. About 48% of homes were built before 1960, about 32 points above Ocean County's 16%.
The housing stock in Bay Head is 91% single-family homes and 8% apartments in buildings with 5+ units.
51% of owner-occupied homes in Bay Head carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 86% of occupied homes in Bay Head are owner-occupied. The vacancy rate is 44%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Bay Head, 80% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Bay Head? FEMA's National Risk Index points to strong wind (Very High) in Ocean County and 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.
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 | $1,864,000 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 51% |
| 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
- Mantoloking
- Point Pleasant
- Point Pleasant Beach
- Manasquan
- Sea Girt
- Spring Lake Heights
- Spring Lake
- Lake Como
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)