Insurance for Barnegat, from the Bay Docks to the Pinelands
Barnegat runs from the docks on Barnegat Bay, across Route 9 and the Parkway, into the Pine Barrens. It has grown by more than 9,000 people since 2000, to about 24,300. Bay flooding on one end and wildfire on the other: Barnegat homes need policies built for both.
Written and reviewed by Nate Feuerman, Stonebrook Insurance
Updated
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Short answers
Who insures homes in Barnegat, NJ?
Stonebrook Insurance is an independent agency that insures Barnegat homes, cars and businesses, comparing more than 25 carriers.
Is Barnegat in a flood zone?
Parts of it. About 5.7% of its developed land is in the 1% floodplain, mostly along the bay and creeks.
Is wildfire a risk in Barnegat?
Yes, in neighborhoods that back onto the Pinelands. Fire is covered by homeowners insurance.
Can you insure a manufactured home?
Yes. Barnegat has about 500 in communities like Brighton at Barnegat and Pinewood Estates.
Named for the inlet of breakers.
Dutch mariners mapped this coast in the 1610s and called the inlet “Barendegat,” roughly “inlet of the breakers,” for its rough water. The township was formed on March 10, 1846, as Union Township, carved from Dover and Stafford Townships while still part of Monmouth County. It joined Ocean County in 1850, gave up land to form Lacey, Ocean, Harvey Cedars and Long Beach Townships, and took the name Barnegat on January 1, 1977.
In 1782, the Battle of Cedar Bridge was fought near Cedar Bridge Tavern in what is now Barnegat. The old village of Barnegat, Lower Dock and Upper Dock grew up along the bay; Cedar Bridge and Howardsville lie inland.
Barnegat has grown fast: from 15,270 people in 2000 to 24,296 in 2020, with new neighborhoods along Route 9 and Route 72 and part of the Ocean Acres development.
Everything you insure in Barnegat, in one place.
Each guide is written for Barnegat.
The local facts that shape your coverage.
From the 2025 Ocean County Hazard Mitigation Plan and Census data.
| Fact | Barnegat | Why it matters |
|---|---|---|
| Population | 24,296 (2020), the highest ever | Fast growth means many newer homes. |
| Area | 40.4 sq mi, including 6.4 sq mi of water | Bay on one side, Pinelands on the other. |
| Developed land in the 1% floodplain | 5.7% (3.6% more in the 0.2%) | Mostly bayfront. See flood. |
| Wildfire | Wildland-urban interface | Homes near the Pinelands face wildfire risk. |
| Manufactured homes | About 500 | Brighton at Barnegat and Pinewood Estates. |
| Median age | 45.9 (2010) | Many retirees and adult communities. |
The Barnegat our clients know.
Barnegat Bay
The docks and bayfront streets of the old village, looking across to Long Beach Island.
Cedar Bridge Tavern
Site of the 1782 Battle of Cedar Bridge.
Route 9
The old shore road and the township’s main business corridor.
Route 72 and CR 539
Roads through the western, Pinelands side of town.
Barnegat High School
About 970 students; the district runs six schools.
Ocean Acres
The large development shared with Stafford Township.
An independent agency for bay and pines.
A bayfront house, a new colonial off Route 9 and a manufactured home in an adult community each need a different carrier. Because we’re independent, we compare more than 25 and place each where it fits.
When the bay comes up or the pines catch fire, you call people who already know your home.
Send us your declarations pages and we’ll show you what we’d change.
What our clients say.
Five-star reviews from Stonebrook clients on Google.
“Sam and the entire Stonebrook team have been incredible to work with. Insurance can be stressful, but they make the process feel easy and personal. … They consistently shop the market and make sure I'm getting the best coverage at the best possible price, not just a quick quote.”
“great team of workers in office! rachel was efficent, helpful, & most important very knowledgeable. wouldn't hesitate to refer to family & friends.”
“The whole team at Stonebrook is great, especially Rebecca. Super knowledgeable about insurance and looks out for your best interest, no upselling.”
More for Barnegat homeowners.
What Barnegat homeowners ask us.
What insurance agency serves Barnegat, NJ?
Stonebrook Insurance Group, an independent agency founded in 1982, insures Barnegat homes, cars and businesses.
What does ‘Barnegat’ mean?
It comes from the Dutch “Barendegat,” roughly “inlet of the breakers.”
When did Barnegat get its name?
The township was Union Township from 1846 until January 1, 1977.
Do you insure adult community homes?
Yes, with policies matched to each association’s rules.
How do I get a quote?
Call (732) 905-4100, email info@stonebrookins.com, or use the form on this page.
Neighbors: Manahawkin, Lacey Township, Long Beach Township.
Sources for this page
- Wikipedia: Barnegat Township, New Jersey
- Ocean County Multi-Jurisdictional Hazard Mitigation Plan (May 2025)
Figures come from the sources listed and are dated where the source gives a date. Coverage descriptions are general; your policy wording controls.
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