Home Insurance in Surf City, New Jersey
Homes in Surf City carry a median value of $1,034,000 - 160% higher than the Ocean County median.
The typical home in Surf City was built around 1970. About 30% of homes were built before 1960, about 14 points above Ocean County's 16%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Surf City, the housing stock is 93% single-family homes.
About 44% of owner-occupied homes in Surf City have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Surf City has an owner-occupancy rate of 92% and a vacancy rate of 76%; unoccupied homes typically need a different coverage form.
79% of homes in Surf City are primarily heated with natural gas.
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.
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 | $1,034,000 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 92% |
| Share of owner-occupied homes with a mortgage | 44% |
| 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)