Home Insurance in Allendale, New Jersey
Homes in Allendale carry a median value of $782,700 - 26% higher than the Bergen County median.
The typical home in Allendale was built around 1965. About 41% of homes were built before 1960, about 9 points below Bergen County's 51%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Allendale is 80% single-family homes and 17% apartments in buildings with 5+ units.
About 65% of owner-occupied homes in Allendale have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Allendale has an owner-occupancy rate of 81% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
In Allendale, 93% of homes are primarily heated with natural gas.
FEMA rates Bergen County's overall risk as Relatively High, led by coastal flooding (Very High). Bergen County had 10,272 active NFIP flood policies as of September 2026. See the full Bergen County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners 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 | $782,700 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top county hazard | Coastal Flooding (Very High) |
| Active NFIP policies in Bergen County | 10,272 |
| 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)