Home Insurance in Seaside Heights, New Jersey
Homes in Seaside Heights carry a median value of $408,200 - close to the Ocean County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Seaside Heights was built around 1955. About 56% of homes were built before 1960, about 40 points above Ocean County's 16%.
Housing in Seaside Heights breaks down to 41% single-family homes and 24% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Seaside Heights, about 63% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Seaside Heights has an owner-occupancy rate of 40% and a vacancy rate of 58%; unoccupied homes typically need a different coverage form.
Most homes in Seaside Heights - 69% - 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.
What's the biggest home insurance risk near Seaside Heights? 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.
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 | $408,200 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 40% |
| Share of owner-occupied homes with a mortgage | 63% |
| 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)