Home Insurance in Tuckerton, New Jersey
Homes in Tuckerton carry a median value of $349,300 - 12% lower than the Ocean County median.
The typical home in Tuckerton was built around 1975. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 35% of homes were built before 1960, about 19 points above Ocean County's 16%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Tuckerton is 77% single-family homes, 8% apartments in buildings with 5+ units and 9% mobile or manufactured homes.
In Tuckerton, about 68% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Tuckerton has an owner-occupancy rate of 67% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
Most homes in Tuckerton - 74% - 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.
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 | $349,300 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 68% |
| 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)