Home Insurance in Seaside Park, New Jersey
Homes in Seaside Park carry a median value of $860,200 - 116% higher than the Ocean County median.
The typical home in Seaside Park was built around 1956. About 55% of homes were built before 1960, about 39 points above Ocean County's 16%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Seaside Park, the housing stock is 65% single-family homes and 11% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Seaside Park, about 55% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Seaside Park has an owner-occupancy rate of 76% and a vacancy rate of 67%; unoccupied homes typically need a different coverage form.
In Seaside Park, 83% of homes 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.
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 | $860,200 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 55% |
| 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
- Seaside Heights
- Ocean Gate
- Lavallette
- Island Heights
- Pine Beach
- Beachwood
- South Toms River
- 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)