Home Insurance in Hillsdale, New Jersey
The median home value in Hillsdale is $677,500, 9% higher than the Bergen County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Hillsdale was built around 1959. About 52% of homes were built before 1960, about 2 points above Bergen County's 51%.
Housing in Hillsdale breaks down to 91% single-family homes and 5% apartments in buildings with 5+ units.
In Hillsdale, about 67% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 93% of occupied homes in Hillsdale are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
93% of homes in Hillsdale 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.
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 | $677,500 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 93% |
| Share of owner-occupied homes with a mortgage | 67% |
| 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)