Home Insurance in Beach Haven, New Jersey
With a median home value of $1,472,200, Beach Haven is 270% higher than the Ocean 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 Beach Haven was built around 1980. About 22% of homes were built before 1960, about 6 points above Ocean County's 16%.
Housing in Beach Haven breaks down to 75% single-family homes and 14% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
42% of owner-occupied homes in Beach Haven carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Beach Haven has an owner-occupancy rate of 89% and a vacancy rate of 81%; unoccupied homes typically need a different coverage form.
Most homes in Beach Haven - 80% - are primarily heated with natural gas.
What's the biggest home insurance risk near Beach Haven? 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.
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 | $1,472,200 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 89% |
| 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)