Home Insurance in Carlstadt, New Jersey
With a median home value of $595,400, Carlstadt is close to the Bergen County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Carlstadt was built around 1957. About 57% of homes were built before 1960, about 7 points above Bergen County's 51%.
Housing in Carlstadt breaks down to 52% single-family homes and 4% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 51% of owner-occupied homes in Carlstadt have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 63% of occupied homes in Carlstadt are owner-occupied.
Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Carlstadt - 88% - are primarily heated with natural gas.
What's the biggest home insurance risk near Carlstadt? FEMA's National Risk Index points to coastal flooding (Very High) in Bergen County and 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in New Jersey carries a statewide average premium of $1,551 per year.
Key figures
| Median home value | $595,400 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 63% |
| 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)