Home Insurance in Cliffside Park, New Jersey
Homes in Cliffside Park carry a median value of $588,200 - 6% lower than the Bergen County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Cliffside Park was built around 1970. About 43% of homes were built before 1960, about 8 points below Bergen County's 51%.
The housing stock in Cliffside Park is 28% single-family homes and 44% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
49% of owner-occupied homes in Cliffside Park carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Cliffside Park has an owner-occupancy rate of 51% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
Most homes in Cliffside Park - 55% - 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.
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 | $588,200 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 51% |
| Share of owner-occupied homes with a mortgage | 49% |
| 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)