The median home in Stow Creek was built in 1975; there are 597 of them. The rules below decide how much of the old roof has to come off and what goes under the new one.
New Roofing Costs connects homeowners with independent local roofing contractors. We do not perform roofing work.
This number connects homeowners who are planning a new roof or a full roof replacement with independent local roofing contractors. It is not for leak repairs or patch jobs. The call must come from the homeowner who decides on the roof. Calls may be recorded.
Permit
Replacing the covering on a detached one- or two-family house needs no permit and no notice to the town (N.J.A.C. 5:23-2.7). In Stow Creek, 92% of homes are detached. An attached house, or work on rafters and beams, is not covered.
Source: N.J.A.C. 5:23-2.7
Layers
Which layers may stay is a Rehabilitation Subcode question in New Jersey (the IRC definitions are deleted by N.J.A.C. 5:23-3.21), and this site has not read that subcode yet. 58% of Stow Creek’s homes were built before 1980: ask how many layers yours has and whether the price is for a tear-off to the deck.
Source: N.J.A.C. 5:23-3.21
Ice barrier
New Jersey requires the eave membrane only where January averages 25 °F or colder, which the state says is Sussex County (DCA Bulletin 07-3). For Stow Creek, ask whether the quote includes one anyway.
Source: N.J.A.C. 5:23-3.21; NJ DCA Bulletin 07-3
Checked against the code text on October 24, 2026. The state’s code edition and the rest of its rules: roof replacement in New Jersey.
Owners live in 488 of Stow Creek’s occupied homes, or 94%. Counting by decade, 17% before 1940, 28% before 1960, 58% before 1980 of the housing was in place, and 16% dates from 2000 on. (ACS 2020–2024.)
The housing is 92% detached houses, 3% attached single-family houses (rowhouses, twins and townhouses), 4% manufactured homes.
Of the 12 Cumberland County municipalities on this site, Stow Creek has the 11th largest share of homes built before 1980: 58%, against a county range of 53% to 78%.
| Place | Median built | Before 1980 | Owners | Row, twin | Hail days |
|---|---|---|---|---|---|
| Stow Creek | 1975 | 58% | 94% | 3% | 6 |
| Hopewell Township, Cumberland County | 1973 | 60% | 83% | 0% | 5 |
| Lower Alloways Creek | 1972 | 68% | 77% | 1% | 3 |
| Quinton | 1959 | 72% | 77% | 0% | 4 |
| Bridgeton | 1956 | 78% | 36% | 26% | 7 |
| Alloway | 1975 | 56% | 87% | 0% | 4 |
Median built: median year the homes were built. Before 1980: share of homes built then. Owners: share of homes that are owner-occupied. Row, twin: share of homes that are rowhouses, twins or townhouses. Census ACS 2020–2024. Hail days: days with hail of 1 inch or larger within 10 miles, 2006–2025, NOAA Storm Prediction Center.
Since 2006 the National Weather Service has logged hail of 1 inch or larger on 6 separate days within 10 miles of Stow Creek; the largest was 1.75 in on May 22, 2014. The most recent was May 28, 2019.
That is fewer than most places in the state on this site (median 11 days).
Cumberland County has had 11 federal major-disaster declarations for storms since 2006; the latest was DR-4614, Remnants of Hurricane Ida (September 2021). (OpenFEMA.)
Storm reports are what observers logged, not a measure of damage to any roof. When wind or hail damage means a new roof.
Lifespans come from HUD’s capital-needs table, not from a brochure. More in the guides to shingles, metal, slate and flat roofs.
| Material | HUD useful life | Fits a house like | Watch for |
|---|---|---|---|
| Asphalt shingles | 20 years | Most pitched roofs; 92% of homes here are detached | Wind class set by the design wind speed (IRC Table R905.2.4.1) |
| Metal (standing seam, panels) | 50 years | Low pitches and long runs | A complete standing-seam system may go over the old roof (R908.3.1) |
| Slate | 75 years | Older houses; 17% here predate 1940 | Sound slate can be reused (R908.5); broken slate cannot |
| Flat roof: EPDM or TPO | 15 years | Additions and porch roofs | Coating is not a replacement |
Ask a roofer working in Stow Creek for the New Jersey home improvement registration number, which the law requires on contracts and advertising (N.J.S.A. 56:8-138, 56:8-144), and look it up with the Division of Consumer Affairs.
Contracts, deposits and the right to cancel: checking a roofing contractor. What moves the price: new roof cost in New Jersey.
None for a detached one- or two-family house. Replacing the covering on a detached one- or two-family house needs no permit and no notice to the town (N.J.A.C. 5:23-2.7). In Stow Creek, 92% of homes are detached. An attached house, or work on rafters and beams, is not covered.
By the Census Bureau’s American Community Survey (2020–2024), the median home in Stow Creek was built in 1975, 58% of homes were built before 1980, 94% are owner-occupied.
Hail of 1 inch or larger was reported on 6 days within 10 miles of Stow Creek from 2006 through 2025 (NOAA Storm Prediction Center). A report means hail fell nearby, not that a roof was damaged.
Ask a roofer working in Stow Creek for the New Jersey home improvement registration number, which the law requires on contracts and advertising (N.J.S.A. 56:8-138, 56:8-144), and look it up with the Division of Consumer Affairs.
The full list: before you call.
Checked October 24, 2026. Laws and code editions change; the date says when these were last read at the source.