Home Insurance in Island Heights, New Jersey
Homes in Island Heights carry a median value of $546,800 - 37% higher than the Ocean County median.
The typical home in Island Heights was built around 1956. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 54% of homes were built before 1960, about 38 points above Ocean County's 16%.
In Island Heights, the housing stock is 96% single-family homes and 3% apartments in buildings with 5+ units.
About 56% of owner-occupied homes in Island Heights have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 94% of occupied homes in Island Heights are owner-occupied.
93% of homes in Island Heights are primarily heated with natural gas.
FEMA rates Ocean County's overall risk as Relatively High, led by strong wind (Very High). 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.
The statewide average premium for a standard HO-3 homeowners policy in New Jersey is $1,551 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $546,800 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 94% |
| Share of owner-occupied homes with a mortgage | 56% |
| 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
- Ocean Gate
- Pine Beach
- Beachwood
- South Toms River
- Seaside Heights
- Seaside Park
- Lavallette
- Mantoloking
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)