Home Insurance in Pine Beach, New Jersey
Homes in Pine Beach carry a median value of $457,800 - 15% higher than the Ocean County median.
The typical home in Pine Beach was built around 1961. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 49% of homes were built before 1960, about 33 points above Ocean County's 16%.
Housing in Pine Beach breaks down to 98% single-family homes.
About 67% of owner-occupied homes in Pine Beach have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 94% of occupied homes in Pine Beach are owner-occupied.
Most homes in Pine Beach - 79% - 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.
Ocean County's top FEMA-rated hazard is strong wind (Very High), per FEMA's National Risk Index. 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 | $457,800 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 94% |
| Share of owner-occupied homes with a mortgage | 67% |
| 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
- Island Heights
- Beachwood
- Ocean Gate
- South Toms River
- 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)