Home Insurance in Harrington Park, New Jersey
Homes in Harrington Park carry a median value of $776,900 - 25% higher than the Bergen County median.
The typical home in Harrington Park was built around 1962. About 47% of homes were built before 1960, about 4 points below Bergen County's 51%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Harrington Park, the housing stock is 91% single-family homes and 7% apartments in buildings with 5+ units.
In Harrington Park, about 59% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 92% of occupied homes in Harrington Park are owner-occupied.
88% of homes in Harrington Park are primarily heated with natural gas.
What's the biggest home insurance risk near Harrington Park? 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 | $776,900 |
|---|---|
| Median year built | 1962 |
| 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)