Home Insurance in Emerson, New Jersey
Homes in Emerson carry a median value of $645,200 - close to the Bergen County median.
The typical home in Emerson was built around 1960. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 51% of homes were built before 1960, in line with Bergen County (51%).
In Emerson, the housing stock is 91% single-family homes and 3% apartments in buildings with 5+ units.
About 59% of owner-occupied homes in Emerson have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 92% of occupied homes in Emerson are owner-occupied.
Most homes in Emerson - 85% - are primarily heated with natural gas. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
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 | $645,200 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 92% |
| Share of owner-occupied homes with a mortgage | 59% |
| 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)