Home Insurance in Point Pleasant, New Jersey
The median home value in Point Pleasant is $575,300, 44% higher than the Ocean County median.
The typical home in Point Pleasant was built around 1970. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 35% of homes were built before 1960, about 19 points above Ocean County's 16%.
Housing in Point Pleasant breaks down to 84% single-family homes and 11% apartments in buildings with 5+ units.
In Point Pleasant, about 71% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Point Pleasant has an owner-occupancy rate of 82% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
88% of homes in Point Pleasant 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.
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 | $575,300 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 71% |
| 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 Beach
- Mantoloking
- Manasquan
- Sea Girt
- Spring Lake Heights
- Spring Lake
- Lake Como
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)