Home Insurance in Leonia, New Jersey
The median home value in Leonia is $672,900, 8% higher than the Bergen County median.
The typical home in Leonia was built around 1945. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 71% of homes were built before 1960, about 20 points above Bergen County's 51%.
In Leonia, the housing stock is 67% single-family homes and 17% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
64% of owner-occupied homes in Leonia carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Leonia has an owner-occupancy rate of 70% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
Most homes in Leonia - 82% - are primarily heated with natural gas.
Bergen County had 10,272 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is coastal flooding (Very High). 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in New Jersey carries a statewide average premium of $1,551 per year.
Key figures
| Median home value | $672,900 |
|---|---|
| Median year built | 1945 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 64% |
| 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)