Home Insurance in Harvey Cedars, New Jersey
Homes in Harvey Cedars carry a median value of $1,224,400 - 207% higher than the Ocean County median.
The typical home in Harvey Cedars was built around 1983. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 17% of homes were built before 1960, about 1 point above Ocean County's 16%.
Housing in Harvey Cedars breaks down to 98% single-family homes.
In Harvey Cedars, about 43% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 79%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 95% of occupied homes in Harvey Cedars are owner-occupied.
Most homes in Harvey Cedars - 91% - are primarily heated with natural gas.
Ocean County had 39,942 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Very High). 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 | $1,224,400 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 95% |
| Share of owner-occupied homes with a mortgage | 43% |
| 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)