Home Insurance in Alpine, New Jersey
Alpine's median home value is $2,000,000+.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Alpine was built around 1982. About 16% of homes were built before 1960, about 35 points below Bergen County's 51%.
The housing stock in Alpine is 96% single-family homes and 3% apartments in buildings with 5+ units.
About 51% of owner-occupied homes in Alpine have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Alpine has an owner-occupancy rate of 93% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
In Alpine, 87% of homes are primarily heated with natural gas.
Bergen County had 10,272 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is coastal flooding (Very High). 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 | $2,000,000+ |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 93% |
| Share of owner-occupied homes with a mortgage | 51% |
| 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)