Home Insurance in Ho-Ho-Kus, New Jersey
The median home value in Ho-Ho-Kus is $1,092,500, 75% higher than the Bergen County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Ho-Ho-Kus was built around 1957. About 55% of homes were built before 1960, about 5 points above Bergen County's 51%.
The housing stock in Ho-Ho-Kus is 92% single-family homes and 1% apartments in buildings with 5+ units.
In Ho-Ho-Kus, about 71% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 93% of occupied homes in Ho-Ho-Kus are owner-occupied.
89% of homes in Ho-Ho-Kus are primarily heated with natural gas.
What's the biggest home insurance risk near Ho-Ho-Kus? 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 | $1,092,500 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 93% |
| Share of owner-occupied homes with a mortgage | 71% |
| 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)