Home Insurance in Fairview, New Jersey
With a median home value of $511,400, Fairview is 18% lower than the Bergen County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Fairview was built around 1960. About 50% of homes were built before 1960, in line with Bergen County (51%).
Housing in Fairview breaks down to 26% single-family homes and 26% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Fairview, about 68% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 33% of occupied homes in Fairview are owner-occupied. The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
71% of homes in Fairview are primarily heated with natural gas.
Bergen County's top FEMA-rated hazard is coastal flooding (Very High), per FEMA's National Risk Index. 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 | $511,400 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 33% |
| Share of owner-occupied homes with a mortgage | 68% |
| 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
- Cliffside Park
- Ridgefield
- Edgewater
- Palisades Park
- Guttenberg
- Little Ferry
- West New York
- Ridgefield Park
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)