Home Insurance in Beachwood, New Jersey
Homes in Beachwood carry a median value of $352,600 - 11% lower 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 Beachwood was built around 1976. About 21% of homes were built before 1960, about 5 points above Ocean County's 16%.
The housing stock in Beachwood is 100% single-family homes.
76% of owner-occupied homes in Beachwood carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Beachwood has an owner-occupancy rate of 93% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Most homes in Beachwood - 83% - 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.
What's the biggest home insurance risk near Beachwood? 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 | $352,600 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 93% |
| Share of owner-occupied homes with a mortgage | 76% |
| 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
- South Toms River
- Pine Beach
- Island Heights
- Ocean Gate
- Seaside Park
- Seaside Heights
- Lavallette
- Lakehurst
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)