Home Insurance in Dumont, New Jersey
The median home value in Dumont is $497,400, 20% lower than the Bergen County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Dumont was built around 1952. About 71% of homes were built before 1960, about 20 points above Bergen County's 51%.
The housing stock in Dumont is 73% single-family homes and 14% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 66% of owner-occupied homes in Dumont have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Dumont has an owner-occupancy rate of 73% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
In Dumont, 84% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Dumont? 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.
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 | $497,400 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 66% |
| 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)