Home Insurance in Mantoloking, New Jersey
Mantoloking's median home value is $2,000,000+.
The typical home in Mantoloking was built around 1973. About 31% of homes were built before 1960, about 15 points above Ocean County's 16%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Mantoloking breaks down to 100% single-family homes.
About 45% of owner-occupied homes in Mantoloking have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Mantoloking has an owner-occupancy rate of 99% and a vacancy rate of 55%; unoccupied homes typically need a different coverage form.
In Mantoloking, 90% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Mantoloking? 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 | $2,000,000+ |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 99% |
| Share of owner-occupied homes with a mortgage | 45% |
| 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
- Bay Head
- Point Pleasant
- Point Pleasant Beach
- Manasquan
- Sea Girt
- Lavallette
- Spring Lake Heights
- Spring Lake
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)