HomeInsuranceQts

Home Insurance in Bergen County, New Jersey

Homes in Bergen County carry a median value of $623,000 - 37% higher than the New Jersey median.

Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Bergen County was built around 1960. About 51% of homes were built before 1960, about 13 points above New Jersey's 38%.

Housing in Bergen County breaks down to 59% single-family homes and 22% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.

In Bergen County, about 62% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

About 65% of occupied homes in Bergen County are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.

In Bergen County, 77% of homes are primarily heated with natural gas.

FEMA's National Risk Index lists coastal flooding (Very High), inland flooding (Relatively High) and winter weather (Very High) as the leading hazards for Bergen County.

As of September 2026, Bergen County has 10,272 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.

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$623,000
Median year built1960
Owner-occupied share65%
Share of owner-occupied homes with a mortgage62%
Top hazards (FEMA National Risk Index)Coastal Flooding (Very High), Inland Flooding (Relatively High), Winter Weather (Very High)
Active NFIP flood policies (county)10,272
Home insurance premium$1,551 - statewide average (NAIC, 2023 data)

Towns and cities

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