Home Insurance in Haworth, New Jersey
With a median home value of $845,300, Haworth is 36% higher than the Bergen County median.
The typical home in Haworth was built around 1954. About 64% of homes were built before 1960, about 13 points above Bergen County's 51%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Haworth breaks down to 99% single-family homes.
69% of owner-occupied homes in Haworth carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Haworth has an owner-occupancy rate of 95% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
91% of homes in Haworth are primarily heated with natural gas.
What's the biggest home insurance risk near Haworth? 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.
In New Jersey, the statewide average premium for a standard HO-3 homeowners policy is $1,551 per year (NAIC, 2023 data).
Key figures
| Median home value | $845,300 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 95% |
| Share of owner-occupied homes with a mortgage | 69% |
| 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)