Home Insurance in South Toms River, New Jersey
Homes in South Toms River carry a median value of $299,700 - 25% lower than the Ocean County median.
The typical home in South Toms River was built around 1966. About 17% of homes were built before 1960, about 1 point above Ocean County's 16%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in South Toms River is 100% single-family homes.
In South Toms River, about 67% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 78% of occupied homes in South Toms River are owner-occupied.
Most homes in South Toms River - 93% - 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.
The statewide average premium for a standard HO-3 homeowners policy in New Jersey is $1,551 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $299,700 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 78% |
| 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
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)